Didn't think the IRS was flexible? Turns out that you have until October 15, 2010 to make a SEP-IRA contribution. A SEP-IRA is one of several self-employment retirement plans.? With relatively high contribution limits and flexible contribution requirements, it's one of the best options for the self-employed showing income. Don't procrastinate too much longer, however, as you now have less than a month to go!
Wednesday, November 3, 2010
2010 SEP-IRA Contributions Nearly Due
Tuesday, November 2, 2010
Can you take a Roth IRA withdrawal before you retire?
One can always take money out of his Roth IRA.? In fact, it's the only retirement plan an individual can tap prior to retirement without facing any penalties or taxes. (You typically can't get your entire balance with no payments due - only your contributions to date.)
Still, any significant distribution from a Roth IRA prior to retirement introduces some complexity. Fortunately, issues like the five year rule, qualified Roth IRA distributions, and the tax treatment of non-qualified distributions are all simplified for you. Want to learn more? ?A great place to start is Can I withdraw money from my Roth IRA before I retire?
Golden Girls
by Jorja
(San Jose, Ca)
I just turned 60 in July and can't believe how hard it's been.
I'm healthy, in a good marriage, OK job, love my sisters, crazy about my kids and grandkids... but still having tons of thoughts of life... what I've missed, what I still want, etc.
I tell my kids to enjoy their youth, beauty, kids etc because life goes by way to quickly. I have a friend who has been diagnosed with cancer so I have nothing to complain about compared what she is going through and try to keep it in perspective... yet, the past keeps coming back flooded with emotions....
Monday, November 1, 2010
Had to retire due to health, but sure didn't want to
by EJ
(Phoenix, AZ USA)
I don't play golf, I have no hobbies and I loved my job working with homeless veterans. Now because of serious hearing problems I was put in a position of retiring at the ripe old age of 68. I had hoped to work into my 70's but it wasn't to be.
To make matters worst, my wife is still working f/t and has 4 more years before retirement.
I'm in such a state of depression even though there are things that I should do and things that need to be done but I just don't feel like doing them nor do I have the energy. I have been on Celexa for several years and it has helped but with this new round of depression the doctor increase my dosage from 20mg to 40mg but the problem intensified since I suffered some serious side effects.
I am in such a funk I don't do anything but lay around all day. I sure could use some help.
Dear EJ: I would LOVE some help with Veterans on this website. I wonder if you'd write about different services they can use.. help them via the internet! If you are interested, Please write to me via the Contact Wendy (to the left).
Will keep you in my prayers! You need to volunteer your Veteran experience somewhere.. in your community, or online (in a personal "veteran" blog or here on my website!)
Retired and Moved from NY City to Key West, FL
by Gary
(KeyWest, FL)
I never would have imagined spending my retirement years living in Key West, Florida, the laid-back Southernmost City in the Continental United States.
Friends with a second home here invited me to visit them for a week in January, a welcome relief from the Northeast?s brutal winter. Sitting by their pool, under the shade of a bougainvillea bush aflame with fuchsia blossoms, I was hooked.
The thought of returning to the winter was so upsetting that I rented a cottage nearby and stayed for several more weeks.
I had no responsibilities at home, being divorced, no children, so before the next winter came, I arranged to rent a small apartment in Key West for two winter months.
The next year I rented a condo for three winter months. By the end of the third visit, I knew I loved the funky little island city where it was easy to make new friends, safe to walk the streets, with an amazing arts community, breathtaking flora and fauna and lovely weather.
Okay, so it?s in the storm path for half the year, but the hardy locals are willing and able to help newcomers with advice and labor. With proper preparation, and a little luck, I put that negative on the bottom of my list of why not to move.
But first I wanted to spend a tropical summer, so I did. It was humid, sure, and hot, but the famous trade winds always blew a soft breeze around, which made it bearable.
I sold my Northern home and bought a duplex in Key West that I could afford, not easy in an expensive tourist town, but the rental apartment helps pay the mortgage.
Retired: Arizona Snowbirds
by Tony P
(Scottsdale Arizona)
We have been doing this since 2008 when the cold winters and storms near our place became too much for us.
As Point Roberts is very isolated, we were nervous spending all winter there as if we needed help and it wasn?t nearby.
We originally rented a place in Prescott, AZ for the first year as we had friend of our living there, however we decided that it wasn?t the place for us. It was very out of the way and hard to get to, as well as I felt it was too small for our liking.
While it was nice to get away to a small place we missed to city and city activities. We have since bought a condo in Scottsdale and enjoy it very much there.
We choose Scottsdale because we wanted a more big city feel.
We enjoy the arts and culture and Scottsdale has a variety of museums and cultural festivals that we can enjoy.
It is also a nice place for our family to visit us in the winter as there are plenty of activities for the grandchildren to enjoy.
We decided on Az as our winter place because we have many friends who have a place there and recommended it highly.
We felt Florida was too overrated and didn?t want to live in a retirement community, but simply have a place to stay in the winter.
Arizona has a wonderful climate and a great church community and we felt very welcomed there.
I recommend Scottsdale to anyone looking for a winter place!
Sunday, October 31, 2010
Does SBI include e-newsletters?
by Fern
(Creston, BC, Canada)
Wendy: SBI does it all... and I know darn well I'll sound like an SBI cheerleader here, but I can't help it.
The Action Guide (manual) teaches you all about websites... step by step, finding the right keywords, writing pages, getting readers, networking with other sites and your visitors, doing your e-newsletter.. and a whole lot more, including building an income.
Really -- this IS an e-business. I earn an income... so it's work after retirement, but it's also FUN FUN FUN (to me) and it's my extra retirement income too!
If you have any questions, just ask, or write to me personally using the "Contact Me" button to the left!
p.s. I started a new website today -- FUN FUN!
www.merry-christmas-guide.com
Can you take a 401(k) withdrawal before you retire?
Currently, withdrawals from 401(k) plans are very high. In a down economy such as the one most of us face today, the need for short-term money often trumps ideal long-term planning. Like with a regular IRA, you can get your money anytime from a 401(k) plan, since it is your money. (An exception to the general rule is matching contributions which have not yet vested.)
Prior to withdrawing money from your 401(k) plan however, understand the implications of an early withdrawal. Consider alternative funding sources.? If you're still employed, for example, contemplate a 401(k) loan.? Do you research, starting with the answer to the FAQ: Can I withdraw money from my 401(k) before I retire?
About Me: Durgesh Kumar Srivastava
In these blogs I write about my life experiences, mostly relating to my adolescent years (1950s) and my later years as a University college teacher at different places in India.
I write these blogs to fill the current vacuum in my life that has arisen since my triple bypass open heart surgery in mid August, 2010. I am now convalescing at home. The Internet is my window to the world.
Through these blogs you can have a first hand feel of the life and culture of India and its people. English is my second language. My first language is Hindi. Kindly do not mind the clumsiness of my writing, grammar and spellings.
I was born on 22 February 1943, at Allahabad in north central India. My early upbringing and education up to University Post Graduation was at Allahabad. I have had a very happy childhood. I now live in New Delhi, the capital city of India. I am married and my two sons are grown up and independently well settled. i have three grandsons - 15 13 and 7 years in age. i served as a University college Reader in Commerce and Management for 40+ years.
I have had a variety of interests in my life - Hindi movies, Hindi film music, nature, travel and sport. But now at age 67+ my interests are day-dreaming, making castles in the air, gossiping, sending and receiving long e-mails and generally talking of nothing in particular. I like wit and humour and kids. I love to tell stories of my life and to hear your stories. Whatever interests my e-pals interests me. Unfortunately, my wife of 44 years' vintage shares none of my interests. She lives in a world of her own under the same roof and i let her be, giving her space and all liberty.
You will know me and my nature if you go through the archives of our group websites and read some of my blogs. i will continue to post my blogs on the two websites and request you to peruse these when you have the time and mood and send to me your critical comments. One request - please write to me in large fonts when you e-mail me.
We here have just gone through a month of heavy rains. Extremes of weather are a common feature of life in this city. The weather is mild now in time for the season of many interesting Hindu festivals. The children are very happy. When the children are happy, I am very happy too.
i took out my 20 year old car for the first time in two months since my surgery. My grandson Chhota (7) sat next to me. in a one hour drive he asked something like 200 questions. i patiently answered most of them, many untruthfully just to please him. Chhota addresses me as BABA. All the children of the locality (even many young and beautiful maiden) address me as Baba. That is fine with me.
My views are quite different from the views of others. I do not consider children as intrusions. I welcome them on my lap. If you talk to me at the same time as Chhota, I shall give first priority to Chhota.Colleagues would often ask me what is the greatest joy in life. I would answer - parenting, and then add - grand-parenting is even better. That is why DENNIS THE MENACE is my favourite cartoon strip.
Please do e-mail me (in large fonts) when you are in the mood. Please write a long e-mail. i shall welcome it.
Regards, Sincerely,
(Mr.)Durgesh Kumar Srivastava)
Durgesh (my first name)(you can call me DK)
New Delhi, India, 30 Sept. 2010
Email: JiBhaiya@gmail.com
Saturday, October 30, 2010
Low Income Senior Apartment, <br>not so great...
not so great..." readability="114">
by Pam
(Mt. Clemens, MI)
The balcony crumbling
The rebar rust
More balcony crumbling at joint
Bathroom vent
Actually the apartment is cute at first viewing, one bedroom, living room/dining area combined. Really too small for living room and dining area but nice for LR. Small kitchen, but great for one person.
However the appliances leave something to be desired, the stove is a Caloric and 16 years old, parts broken, all scratched up on dial panel, timer and clock not working and they can't fix it, frig is just as old as stove. It has a huge balcony, goes end-to-end of the apartment. That is great!
Bathroom is good sized for a one-bedroom place. Shower, tub, the usual stuff in bathroom.
Things I noticed I did not care for: The sink/vanity has no drawers, or cupboard below it, so you have to get a shelf or small table for the bathroom. The carpeting, although it was new when I moved in, is indoor/outdoor carpet not pretty, but well-padded due to floors being cement. The walls between the apartments are concrete, so it is somewhat soundproof. Huge gap under the entry door to the apartment. All closet doors are metal, all the shelves in the closets are metal, and some are rusted at the hinges. There is a huge doorwall to the balcony, and one large window in the bedroom. They were not easy to open or close, so they told me just use some WD40 on them? Huh? I thought that was their job.
There is a small vent in the bathroom, that is so caked with stuff, dirt etc., that you cannot see the inside of it.
During a severe storm a few weeks ago, the ceiling in the living room leaked so badly I had to cover my computer with plastic, it leaked from the seam at the doorwall ceiling, and in the bedroom, it leaked from the middle of the room at the seam to the floor, and all over my bookshelf and books. The bedroom window tracks were clogged, because the water poured in under the windows to the floor.
Needless to say, I was not a happy camper. So, I reported it to the management team, and they sent the maintenance person to my apartment. She showed up with the cleaning lady, and they actually had the audacity to stand in my apartment and tell me that it leaked from the wind shears directions. That the force was so strong it caused leaks?? Huh? Concrete does not leak, or at least it is not supposed to.
So, I go out to the balcony, and the concrete is compromised, it is crumbling, and chunks missing, and rust stains down the sides of the white walls. Rust stains are from the re-bar rusting. Something is seriously wrong here. My move-in inspection was the whole front of the list and the entire back of it.
So far, to date (9/05/2010) they have only fixed one thing, I fixed two myself.
I could go on and on, but why? The reason I am writing this, so if you are looking for a place to live, look closely, check the ceilings, the doors, everything! You will be living there, if you are not happy with it or even a little bit hesitant, don't sign anything, keep looking. I wish I had!
So, in closing would I pick this place again, no. I would certainly look closer at the apartment before I said I wanted it, like for leak spots on ceilings, rust, etc. So, I am currently applying for residence at three other places I have seen, so by the time my year here is up I can move out.
The name, I am sorry to say is Park Place Towers in Mount Clemens. I would not recommend this place to anyone.
On a scale of 1-10, I rate it a low 1. On top of all of that, I have only been here 1 month!!
Wendy's Two Cents: Pam, Believe it or not, that is the same low income senior apartment that my father lived in, we loved that place! I wrote about it (but didn't name it) on my website here!
It sounds like it's falling into disrepair, he had no leaks, though I do remember the balcony was crumbling a little bit.
Dad died in December 2005, so its been five years since I've been there... I'm kinda not surprised as so many organizations just don't have the money to do things like they did a few years ago. It's a tough economy out there,....
You might try the Macomb County Senior Citizens Dept. Call to see if they can help, or scroll down the page and click on Senior Housing for a huge list of senior low income apartments!
Best Wishes!
Retired Teacher's Story
by Diane
(Wisconsin)
I loved teaching children, watching them grow, and generally being an active citizen of my community. It was upsetting, though, as I got closer to retirement age because I loved my job so much.
I really have never been one to have many hobbies so I was really feeling a great deal of anxiety because I didn't know what I would do without my job.
When I was preparing for retirement I was trying to come up with things to do during it. I was thinking of perhaps taking up gardening or something on that line. I had always wanted to learn to grow my own tomatoes and cucumbers and it would probably be an excellent time to take up the hobby. I thought so anyway.
Thankfully during the rest of my life I had never been much of a spender. I had a large safe full of money I had saved my whole life. I also had a very large retirement plan so financially I was very stable. I just had a lot of trouble getting use to the idea physiologically.
Last year was the big yeah for me - it was the year I finally retired. I sat around the house all day, not really doing anything. I would clean a lot. I think that at that time I became a bit obsessive compulsive over cleaning because I had nothing else to do.
Over time my family have helped me become a bit more comfortable with my retirement. I do miss being in my former workplace. I miss seeing the children's faces.
At the same time I still feel like I've had a very rewarding career and that I could probably use this time of rest.
Thankfully I am still able to see former students on a daily basis. I pass them by everyday in stores and other establishments.
I am very happy about my retirement even if sometimes I do get the blues.
Artsy Retiree makes Creative Greeting Cards
by Phyllis
(Middleburg, PA, USA)
Happy Sunflower Day
I make beautiful creative greeting cards using artwork I've obtained from the internet or magazines and my own special poetry.I match the poetry not only to the picture but also to the person I am creating the card for.
People that have received my cards think they are beautiful and have wonderful sentiments inside.
I can create any kind of card be it - birthday, thank you, illness and/or holiday cards. Each card is a work of art and each card is completely different from the next.
This is one of the ways I have used to feel alive during my retirement.
Forced Retirement at age 58
by Jan
(Houston,TX)
I was beginning to think of retiring in five years or so when, to my shock, I was not only forced to retire but treated very badly by my employers of eight years... after being considered the best in my field for many years.
I have been prone to anxiety /depression for many years but otherwise have good health. This saga began in May 2010 and I have had many ups and downs.
The anxiety is currently on the increase. I have tried many meds and therapy with little positive effect in the past so I have minimal confidence in these avenues.
I did not have the luxury of planning a retirement and as a public school employee have limited financial resources.
I do not miss the work because of the shabby way I was treated. I am just feeling lost and alone. I do wish I could handle the anxiety better.
Wendy: Jan - this happens to so many near retirees, and in today's economy, more than ever. Please consider joining my Retirement Transition group - all new retirees like you, all figuring out who they are and what to do next. Click on email groups to the left... or contact me and I'll add you to the group.
I think this group might be able to put this transition into perspective for you... they are living it too!
Friday, October 29, 2010
Newly Retired... Depressed to SBI!
I asked John if I could post this email. We talked about SBI over and over by email and he finally decided to try a site. That was maybe a month ago... today I asked a question and he agreed I can post this. Thanks!
Wendy: Hey -- out of curiosity... did a website make you feel "better"? Less depressed? More active or helpful, or part of society again? Just curious if you spent enough time thinking keywords that you didn't' think "I feel down and out".....
John: For me, the web site has helped me feel much better and given me something to occupy my mind and something to look forward to down the road in anticipation things will hopefully be a success. It's given me a sense of purpose which is something that was lacking in my life after retirement. Not having a purpose or something to occupy my mind really played mind games and I was very depressed.
Thinking about KWs...well...I wonder from time to time on whether I did enough. But, one can only beat a horse so much before he kills it. If what I use doesn't work, I can always go back an use others. It's not like being cast in concrete once you do something. What I do today can be fixed tomorrow.
Hard-working Retiree, sounds content with life!
by Paul M
(UK)
I was actually driven into retirement planning because I worked in an auditor's office. I saw many people retiring comfortably, or what I thought was comfortable at that point of time, because my father never planned for his retirement.
Since we don't have any social security system out here, his responsibility fell on my shoulders. Going was tough, but god was kind.
He rewarded every bit of hard work, and punished for taking a few things easy as well.
I was finally able to save enough by 47 years or so. This helped me to call it a day.
Today, I earn for my taxes, and our medical insurances from Internet.
We do not have Medicaid and other health programs. So I have to buy health insurance, paying almost $700. I also have to earn $470 towards income tax.
Effectively, I need an earning of less than a $100 per month, which is not very difficult to earn on Internet. That keeps my mind occupied as well.
I am not constantly aware of any body pains, or why my hair is graying or falling. I had a good person guiding me earlier on in my life. He told me that do not leave anything to later stages as memory starts failing, and it may become very difficult to organize things. He was so right.
I am much more relaxed than most people in my age group. Many of my former colleagues have continued working. Some of them still do not have homes. They spent their twenties and thirties going on vacations, while I toiled, partly because I had no choice.
Now in retirement, I get up around 6.00 a.m. each morning. I brush my teeth and go to terrace. I take a walk for about an hour, breathing deeply while I do so. Then by 7.15 am I am back at home. The maid arrives. Together we finish cooking and preparing breakfast.
My father finishes his bath, and I serve him his breakfast, while I sip some tea and do a little bit of gardening in my balcony windows.
Thereafter, I take a nice long bath. I can afford to. I am no longer in a rush to move out. I come out, eat my breakfast, and earn some monies. Soon it is lunch hour; we eat lunch and watch television for a while. I take a short nap.
After that I work for a couple of hours, and stop earning for the day unless there are some unbearable television programs. I have a tendency to reach month's targets beforehand, rather finish the yearly targets, and then relax. That way, I don't have to worry later.
Because of this, I might even choose to work a bit later in the night. Alternately, I stitch something, or paint something. I am constantly humming. This is my usual lifestyle.
At times I have some guests, or I visit some friends. At other times, I go for shopping. I purchase my entire month's grocery requirements, at one go. Therefore, it is not much of a chore for me. I also purchase vegetables once in a week. We eat bread quite frequently. I go to bakers to fetch some bread.
I think I could continue with this routine for the rest of my life and not get bored.
Retirement Happiness: also known as "keeping busy"
Looking for your own brand of perfect Retirement Happiness?
Anyone who wants to be Happy shouldn?t consider Retiring!
That?s it in a nutshell.
Are you surprised? What IS retirement happiness?
Well, OK, Honestly -- I am happy and I am retired too...
I am also working from home (on this website) which provides my sense of self, providing me with something to keep busy and fulfilled, and so, I guess, I am not quite retired. If I had totally retired, I'm not sure I'd be happy as I am... just not sure.
But -- this is about YOU, not ME!
There will always be people (known as Pre-Retirees) who naturally think differently. They assume that retirement equals happiness.. the two go hand in hand. Isn?t retirement supposed to be the culmination of ones life?s work? one?s ultimate Goal... when all the things that you promised yourself would finally get accomplished?
Then you retire -- and BAM -- what happened? Where is the rainbow? What am I going to do today? Tomorrow? Where is everyone?
Yes, you have to retire... of course you do, just as I did. But -- it?s time to get real!
This is where we ponder life... where we came from and where we are headed now.
There are many more exciting and exhilarating things to do with your life than seeking "Retirement". The definition of "retirement" isn't pretty. The reality is that the days are long and the mind wanders like a drifting cloud. The brain gets confused by the apparent lack of activity and there?s not a To-Do -List in sight. In other words, things aren?t what they used to be.
Now -- to find retirement happiness, you can't seek it... but you CAN keep yourself busy so that you don't miss working. Keeping busy -- through part time work, volunteering, or finding hobbies that keep you happy, is what you really do need. You can concentrate on finding Happiness which could take the form of a fishing trip, a new friend, or finishing that book you often started but never published. Hey there?s even that strange place where people go with their computers and hang out. You might even become a landscape painter!
Happiness is an altogether better place to head for than "retirement" and when you have fleshed out your Happiness Business Plan there won?t be enough hours in the day to get it all done. It?s a bit like Work, really, only different! Very satisfying...
To be happy, you have to be active -- live there was no tomorrow and have fun, enjoy life!
The retirement decision is often out of your hands, but start thinking now about where you will be headed tomorrow -- the library, a tourist spot, somewhere other artists hang out, whatever suits you...
Destination Unknown but at least you?ll be Happy.
Forget Retirement (in the traditional stay-at-home sense) and KEEP BUSY!
More Retirement Happiness ideas here...
Early retirement
by Walter
Hi I am 55, 56 in December I have worked at two companys - one for 10 years the other for 18.I was laid off from the last 2 years ago and have a pension from both. and was wondering if it would be better to take the cash out option from one or both of the pensions I realize I will still need to work at least part time for a while to make ends meet.
thank you for your opinion. Walter
Wendy: It depends.. but usually you are far better off, in the long run, with a lifetime pension. If you take $10,000 cash -- when it's gone, it's just gone. However -- If you take a lifetime pension at $200/mo, that $10,000 is gone in the first 4 years ($200 x 12 months/year = $2400 per year x 4 yrs = $10,000).
Bottom line: those who are lucky enough for a LIFETIME pension are really lucky. You get it for life. If you retire at 62, with Social Security and two pensions, you might draw that for 20 yrs to age 82, or 30 yrs to age 92! It happens... people outlive their monies all the time but a pension is paid for life.
Play with the amount you'd get "cash" compared to the monthly (or email me with both using the "contact Wendy" on the left bar).. and I'll get back to you!
Best Wishes!!
Thursday, October 28, 2010
Retirement: Rental income and Social Security benefits
by michael nupuf
(oswego,new york, USA)
My medical corporation pays me rent for the use of rooms within my house for the business. Does this rent count toward the income limit or is separate?
Thank you. Sincerely, Michael
Wendy: Social Security counts earnings, not withdrawals from retirement accounts, etc. What I'm not sure about is self-employment...
Unfortunately, I can't answer your question and you might need to contact Social Security for the answer.
1-800-772-1213 is the nationwide number for Social Security.
Here is the http://ssa.gov/pubs/10069.html" target="_blank">Social Security page that might help you... Go half way down the page to see what income counts.
Best Wishes!
Retire from your normal way of life.
by Helen
(Sun City, S.C.)
Due to some illness with my husband, and my own, we were pretty much forced to retire. It was amazing to me that we could afford it, but we could.
Between selling our normal home, and SS, and some pension, well, it works.
Your expenses are less, and you just sort of survive. I don't think the average person thinks they can retire, but we can, and you can too.
My husband has since passed away, and I lost a little, but considering I am only feeding one person, and only paying insurance for one person, well the loss did not effect me at all. The loss of my husband was expected for many years, he was very sick, with many things. I
would like to email other woman or men who are also retired, and see how others live. Thank you.
P.S. I am healthier now then I have been in years. My doctor is always amazed.
Retirement -Time For Everything
by Sue
(Ohio, USA)
I don't do much traveling, sort of a stay at home gal who's 72.... that's a good reason to have a pen pal I say.
Wendy: Sue - I agree! Travel the world with pen pals... from the comfort of your home!
Wednesday, October 27, 2010
Snowbird loves Ft. Lauderdale, Florida
by Mike
(Ft Lauderdale, FL)
I choose Florida because it is nice in the winter, no hurricanes and is only a 3 hour flight instead of 6 hours to go to California.
I've been going to Florida for 10 years. I love the weather and the sun.
I do not like the scummy parts of Miami and the lack of good taste in some of the trashy parts of town.
I go to the beach in the morning, go for a walk. I swim at lunch. I watch movies or walk to a bar at night, watch sports and then make out with my wife at night.
I repeat this each day.
Tuesday, October 26, 2010
Retired: Habitat for Humanity Scrapbook
by Phyllis Snook
(Middleburg, PA)
I did the next best thing, I used my photography skills to make a Habitat scrapbook for the new homeowners.
I had never done scrapbooking before so I took a class just to find out how it is done. Needless to say my very first scrapbook turned out beautifully.
Now I had the confidence to make more scrapbooks for Habitat. I made my second scrapbook in 2010. It proved to be so much nicer than the first one.
When you make a scrapbook for Habitat, you take photographs of the new home being built from beginning to end. That means you must be at the site, each and every time a volunteer is building a part of the house, rain, or shine.
After you take the photographs, you must print them out. You never know what picture will be used for the scrapbook, so you might have to print up more than one or two photographs. You present your scrapbook at the dedication of the home.
In our area, scrapbooks consisted of only pictures, however mine is an actual scrapbook - it tells a story, the story of the building of a new home. You don't get paid for your work but it is very rewarding. I would tell anyone who wants to volunteer their time to check out Habitat for Humanity.
You don't need to swing a hammer, there are so many other things you can volunteer for in Habitat.
The look of the faces of the homeowner's when you present the book is all too rewarding. I can't say enough about this wonderful organization. If you are interested in volunteering for them, just call or email the chapter in your home town.
Get involved, it is a wonderful way to spend your retirement time.
Wendy: WOW.. wonderful idea! I hope others get involved... what a huge treasure for the new homeowner!! Thanks so much for sharing!
Retirement Party Ideas - Let's Plan a Unique Send Off!
This page will be full of Fun Retirement Party Ideas and helpful links for Retirement Parties!
Have Fun and Plan the Best Retirement Party EVER!
Retirement Party Ideas -- make it memorable!
First, here is fun Retirement Party video called "Irish Retirement Drinking Song"... looks like a great party! Listen to the words of the song... cute!
Now -- on to some ideas for the Retirement party you will plan!
When planning a retirement party, you must first decide whether this will be a small intimate affair or a huge lavish party? Is this a retirement dinner or munchies and desserts? open house party at the office or a hall or home? Do you want to do a theme party? How many will you invite? Admission fee dinners or open house and everyone brings a dish, like in office settings? Is this formal or casual dress?
Need Help? Tips to Organize Events is a helpful ebook that guides you through the party planning process, recording each step so you don't forget something. You can use it over and over again for every party you organize... it's a fantastic lifetime resource!
If you are planning the party for someone else then please take their wishes into consideration as they may have definite opinions on this - to those not yet retiring, it's all fun... but to the new retiree, it's downright scary sometimes, please don't give them more anxiety. You want to ensure that the retirement party is as memorable as the long career.
Now -- Do you invite past retirees? current employees? family/friends? Bringing everybody together is a perfect time to have a look back at a lifetime of work and good times.
Retirement Party Ideas here...
If you want your own Sing Along, Try this Retirement Song!
Here are some retirement quotes for use in retirement speeches!
Need help with a retirement speech? or maybe a humorous retirement roast?
A good joke or two helps the laughter flow -- the first one is the best! My personal favorite - grin!
Another great retirement party idea --
How about a few games to get the party atmosphere flowing?
Let's start with a printable Star Trek trivia game?
Super Bowl party games depending on the retirement date!
United States trivia for someone with lots of out of state friends...
Cubicle Chaos Mad Libs adult party game.. this one is "adult"... grin!
Spy Party game could be fun!
Beer trivia game for a beer lover.
Wine Trivia Game - ditto!
Cheese Trivia Game (serve different cheeses, everyone will remember the party).
Christmas office party games -lots of laughs if your special retiree is retiring near the holidays!
Retirement Gift Ideas here, written by site visitors to help you find something special and unique!
Funny Retirement Gifts here, and some Retirement Gags Gifts here.
Retirement Party supplies add the coordination to your party - formal or casual, the supplies make the decorative look and feel!
Retirement cake ideas here. Some are a bit pricey but this is a once-in-a-lifetime event, someone special to you is going into retirement, so if you don't care to bake... this is the solution for you!
Tips to Organize Events will help organize your retirement party so that you can enjoy the day too! Don't stress over your party, let Tracy help you...
Do you have a great story about a retirement party that you attended? Any ideas on theme retirement parties?
Monday, October 25, 2010
Can you take an IRA withdrawal before you retire?
Unfortunately, figuring out whether one can take a withdrawal from a regular IRA is an increasingly popular question. Blame the Great Recession in general and the unemployment rate specifically.?? For better and for worse, one can take your IRA money at any time. After all, it is your money. But before you do, understand the implications of an early withdrawal. A great place to start is in the Retirement Planning Site's Frequently Asked Questions (FAQs). The ideal launching pad: Can I withdraw money from my IRA before I retire?
Retirement Activities... Keep busy!
Retirement Activities are really important.What will YOU do after retirement?
Retirement is the next big adventure in life -- to the worker, it sounds so good -- retirement! BUT after you've been retired for a few weeks/months, then what? 
You can't just sit there.. you can't..
Did you know that, in retirement, your ability to learn new skills, the ability remain learning, is the same from age 20 to age 60?
Your brain doesn't stop as we've been told... unless you stop using it. We all need to be challenged in life... you need to continue to think -- whether by reading interesting books and using your imagination, working on artsy projects or hobbies, or taking classes!
Use your Brain, Keep Active
Do you have retirement hobbies? Things you've done for years in your off-work hours? Think of your pre-work years... what did you totally enjoy as a young person that you might be interested in again?
Read!
The library is great for books -- you can often order the books you want, online, using your libraries website.
Some libraries will email you when the book is available.. and VOILA.. pick it up! Read to learn about any topic or simply novels to keep your brain thinking.
You could even get some books on tape/cd's... and just sit in the sunshine listening to a new story!
If you'd prefer to purchase books, consider Amazon.com as you can buy used books really cheaply (in fact, I pay more in the $3.99 postage/handling than I do for many books!)
Write!
Write letters, journals, your life story...
Writing is good as you dive deep within yourself to a quiet place where your memories are stored. Writing forces your brain to continue thinking. Some day, your family will love reading your thoughts, your memories.
Do it for yourself or find a kindred soul, a senior pen pal with whom you can share life through letters. Find an online groups of kindred souls that you can chat with on a daily basis.
Take adult community classes.
Look in the next Adult Ed advertisement you get from the local high school or community college. Why not take a class? Learn to do something new (crochet, healthy cooking, writing), or renew your knowledge on a subject (car repair, psychology, gardening).
Never Stop Learning!
Go on Day Trips
Do some senior travel (day trips via the local community programs or out of state travel with senior groups).
Work? Volunteer?
Work or volunteer to keep your skills updated, and the brain functioning. Do you have a skill to share as a mentor under the Retired Senior Volunteer Program?
Think about talents from your youth that you never had time to pursue(arts, music, study, writing, painting, fun stuff!)
Friendships
Do you want less socializing and more close friendships? How important are your co-worker relationships? Do you have a support system away from work?
Pick up that phone, or write a letter, to a long lost friend... you both separated when work lives and raising families made it nearly impossible to keep up a friendship but you might just renew the friendship again!
Join a book club from your local library, or some church groups, or call upon an old friend you haven't made time for while you were busy working.
Join online groups and find some friendship and chit chat from the comfort of your home.
Structure
Do you need structure in your life -- a reason to get up in the morning? If you are one like that, you might NEED something in your life... part time work, volunteering, some sense of a time table on life. Do some community service -- give back to your community while you are actively able.
What will you do with your day when you retire? You spend 8 hours a day at work (or more), and suddenly you have 8 free hours every day. You can't just sit in a rocker, no way, so what now?
Tell me what you do to keep busy (mentally and physically fit) on a daily basis! Help others to keep grounded, and live happy and productive retired lives!
Thank you!
Read about what other Visitors have to Say...Click below to see tips on What Not To Do from other visitors!
Retirement bored, Volunteering to help Children My name is Prabhu. I worked as a teacher in a private school. On those days, life was so wonderful. No paining, no cheating etc., I retired two years back....
Hard-working Retiree, sounds content with life! Many people spend time worrying about finances and health in retirement. But the time to worry about these things is in early twenties.
I was actually ...
Retired, Moved to Small KY town... Last year I made the decision to retire early from my teaching job, high school level special education working with children with disabilities both learning ...
Found My Retirement
"Niche In Life"... Hi.
My name is Maureen. I was a stay at home Mom until the youngest child left school,I found that I needed more from life, so went searching for work....
Retiring in June-
Babysitting grandchild in August after kindergarten My husband retired in February 2009. I needed to keep working because my health insurance will be paid for two years until age 65. I'm planning on retirement ...
Retired with money problems. I am a pensioner since February 2002, as my job was sedentary in air-conditioned office, with a climate of 37 degrees, but very stressed, work was under ...
UK Retiree takes up Metal Detecting Hobby. I took the opportunity of early retirement at the age of 56 from being an Engineering Manager in a FMCG company as the offer was very attractive money ...
Retirement: Listening to Van Gogh After a long career in professional writing, mostly non-fiction, I wrote a novel-about being retired and searching for answers for my new life. The result ...
Sunday, October 24, 2010
Memories: A quiet evening
by Jane Curtis aka Winston Baxter
(Mabank, Texas, USA)
After visiting with friends that lived across the street I decided to go home for a quiet evening alone.
My drive way was covered with acorns that had fallen from the trees that surround my little house on the lake. I made it through all the marbles on my drive, up my steps, and across the porch just fine, no problems. I came through the front door and faced instant chaos.
The pups were all over my feet, Winston was tugging at one arm while Brandy tugged at the other. Ashley, the cat, laid on the pillow on the sofa, looked up, meowed as if to say, "Oh, its just you."
Thank God I had not been drinking.
With my dog's help, I made a very drunken style walk across the living room floor only to land in the kitchen, in the water pan that had been moved. The house was really in good shape, after leaving them inside while I was gone. But, the booby traps did not end with the moving of the water pan.
I sat down the sack in my hand on the kitchen table and headed for the bathroom. I was looking down, trying to untangle my feet from Boomer and headed straight into the kitchen chair that had been moved into the bathroom, on its side, on the floor. The dogs were so thrilled that once again I was joining them on the floor. I carried the chair back into the kitchen.
I mopped up the water that had spilled from the moved water pan. I then put away the mop. I made myself a large glass of ice coffee and headed for the sofa. I could not find the remote. I looked everywhere. I finally found it behind the big green chair. I have no idea how it got there. The batteries where much easier to spot, they were in the bottom of the water pan. I found dry batteries, put the remote back together, and once again proceeded towards the sofa.
I set my glass down on the little table, clicked the TV on and started to sit down. I landed right on top of the pile of knuckle bones that Brandy had gathered and put Ashley in charge of guarding. I was trying to persuade Ashley to surrender "the pillow" by letting her know I had brought home fresh cat food.
While I was up moving the bones, I shook the sack, opened it, and took a handful of the little morsels and placed them in her bowl, on the table. She looked at me and said, "No, Thanks; I ate just before you came in-- I'll check it out in a little while." I replied, Ashley, MOVE!
She yawned, stretched her body across the entire pillow and closed her eyes. Not wanting to be the loser in this argument, I physically lifted her body and took it to the table. I went back, claimed my pillow, and clicked on the channel I wanted to watch. I should have watched her instead. She had proceeded to dangle her paws over the edge of the table and make little meow sounds. I did not pay any attention because she is always talking about something. I was sure she was just giving me another argument about the pillow, complaining about the food, or something else I did not care about.
She got Winston so excited, he jumped on the table. Cat food went every where. The pups are now frantic trying to gobble up as much as they can. I yell, jump up and run to the kitchen to catch the table before it falls sideways as Winston is jumping off. I get everything cleaned up. I looked for Ashley to make sure she is was all right.
I found her, she is back on the pillow stretched out playing possum.
I grabbed the pillow, went to the other end of the sofa, changed the channel on the TV and drank about half my coffee down. Ashely just kept sleeping---- right.
I noticed that during the confusion that the two pups had stolen one bone each from Brandy's pile. I was settling in to watch TV when Brandy decided to recollect his bones. Since the other dogs were eagerly working on one each it was interesting to see how he was going to handle it. He all of a sudden started barking and ran to the back door. They all three rushed out the doggy door, into the night. He quietly walked back to the bones and moved them back to the sofa with the others.
My evening, I thought was finally going to quiet down.
The three dogs came bursting into the house. They were invigorated from the cold and ready to rumble. They rumbled right into my little table. My half glass of ice coffee simple slipped to its side while depositing its contents across my lap. I yelled and jumped up at the same time.
The pups were so startled, they instantly ran between my legs and once again we all got to celebrate me getting on the floor with them. I braced myself on the sofa to pull myself back up.
Winston decided since I was busy, it was a good time to check out the "sleeping cat". He jumped in the middle of Ashley, she jumped on my head, and we all once again sat in the floor.
By that time the pups were the only ones thrilled about the idea. I had not been able to do the splits since drill team. I do not recommend it to those who have been declared "disabled".
I had one sip of water left on the other little table. I used it to take two pain pills and two potassium tablets. I realized I had pulled a ham string and my leg was really going into a bad cramp.
While I was cleaning up, Boomer opened the back door again and Ashley went out. I tried to stretch out on the sofa, but the ham string hurt too bad. So, I decided to sit up for a while and watch TV. I had recorded a wonderful little Christmas movie earlier. Everyone got quiet and we started to watch the movie.
My friend, Travis, knocked on the front door. Once again chaos ensued. He had seen a lot of commotion and heard me yell when he was out letting his dog do his business. He came by to see if I was all right.
I tried to click off the TV quickly so we could talk for a minute and I hit the wrong button. I had gotten a second of Animal Planet before the TV went blank. Bridget loves Animal Planet and starts barking the minute she hears it. The rest of the group instantly join her and they sit as a gang stalking prey in front of the TV. If I turn it off before a commercial comes on, the barking starts all over again.
Travis left. The dogs are watching Animal Planet, Ashley is out for the evening, and I'm in here, now having a quiet evening.
I should have believed my fortune cookie at the restaurant. It said, "Chaos is easy to overcome if you keep your sense of humor." You think if I laugh myself to sleep it would help?
How was your evening? I'll let you go. Thanks for listening.
Saturday, October 23, 2010
SBI Review: I love SBI Website Building!
Are you looking for SBI reviews?
I love SBI! and have used this website building method since 2004. I have written many pages, over time, so I thought I'd put the links all on this one page. SBI! Started relatively simple, but over the years, I can't believe how many more tools have been added -- and yet I continue to pay $299/year.
It is SO worth that annual fee! At first, I (probably like you) thought twice but when I see my income, well, it's really a no brainer for me.
Dr. Ken Evoy, the owner, is truly a huge asset to all SBIers as he wants us to succeed in our e-businesses. He also visits the forums frequently and his advice is well worth the price of admission itself.... Dr. Ken is a true Website Guru!
First, I wrote about jobs for seniors because I just really truly beleive that retirement and SBI! websites can go hand in hand. They work together so beautifully ? retirees have a lifetime of knowledge to share and the income is great too! There is a FREE Ebook at the bottom of this page called Make Your Knowledge Sell! which might help you understand why websites work.
I have truly retired to the internet. My SBI! websites are my e-businesses and I love the time I spend working on them.. I really do. I help so many retirees worldwide that it just boggles my mind. I also have a nice supplemental retirement income with my sites, which is increasing now that I can work the sites almost full time.
This page is one of the first pages I wrote about my SBI! website. I wrote it nicely but was in the mood to say lots more... on how many years I had wasted, honestly, trying to make websites (and they were visually nice) but without any visitors.. I could have been writing in a notebook.. grin! (all that wasted website money too! Yikes!)
No idea why I wrote another SBI Review! Two more free ebooks here....Make Your Content PREsell! and Make Your Words Sell!
Finally, this is my About Website from Website #2, Friendship-by-Mail.com (pen pals!)
If you join SBI and have questions, please write to me. I'd love to help you if I can! Just hit the "contact me" to the left and email me!
Wendy, www.retirement-online.com & www.friendship-by-mail.com
Retirement Wishes - Be happy!
We all have Retirement Wishes for Happiness. I hope this page will provide words of wisdom for your retirement years from many who have been there before you... to help you enjoy your own happy retirement years.
I get so many depressed retirees on this site (especially those in the retirement transition stage) so I asked some experts for tips on maintaining a happy lifestyle for retired folks.
We look forward to retirement, then what? Who Am I and What will I do for the rest of my life? Right now, with so many taking earlier retirements due to the economy, so many more are depressed... so, how do retirees remain happy, fulfilled, and active?
Jaki Scarcello, the author of "Fifty & Fabulous" has written her Top 10 Tips for Uncomplicating Your Life. Let Jackie show you how to enjoy your retirement.
This article really thought provoking, especially for women over 50.
I think it will put aging and retirement into perspective! Be happy with yourself!
Keith Weber spent 20 yrs as a certified financial planner, then disability hit... Keith turned his life in a whole new direction. If you retired due to a disability, it hits suddenly, and you didn't have time to plan - WOW! What next?
Read his words of retirement wisdom here.
Keith is also the author of ?Rethinking Retirement:?How to Create the Life You Want Without Waiting to Retire ?.
Three tips to being Happily Retired by Dr. Elizabeth Lombardo, psychologist and physical therapist.
I love her three tips, so darn simple and logical -- and yet, not what you might do.
Try these simple ideas and Make yourself Happy!
Michelle Howe and her orthopedic surgeon, Dr. Christopher A. Foetisch, co-authored a book.
When I read the table of contents, I knew I had to read this book... I will review it soon! It sure sounds great, especially for Aging Baby Boomers (like me!)
I recently interviewed Joan Fitting Scott, the Author of ?Skinning the Cat: A Baby Boomer's Guide to the New Retiree Lifestyles?. Read to become retired and happy here.
What is Reservatrol - have you ever heard of this? One more idea that just might help with lifting your mood!
Warning -- the next expert uses the "e" word -- yes, exercise!
Dr. Tom Potisk has been a chiropractor and a holistic family doctor for 25 years. His "Down-to-Earth" doctor website has a couple of free reports you might like to check out, including one on The 5 Most Dangerous Exercises to Avoid. Dr. Tom advises: "Having practiced for 25 years as a busy holistic family doctor, I've observed how important it is for retirees to get regular exercise. They tend to become very inactive and this then contributes to and accelerates many degenerative health problems like arthritis, osteoporosis, heart disease, and senility. Retirees must set a goal to get at least 1/2 hour of physical activity daily and settle for no less than 3 times per week. Boredom is the biggest deterrent so I advise having several activities from which to choose. But some exercises are dangerous! In response to that, I created a free report called The 5 Most Dangerous Exercises to Avoid. Some of the exercises would surprise you."
Gillian Rose from Color Our World says that her biggest and easiest tip for a Happy Retirement is COLOR! Gillian advises: "Color is emotional. Did you know that as we get to 60+ our eyes develop a yellow lens on our iris? This greatly alters the way you see color. Responding to the US Cocooning Trend; our antidote to daily over-stimulation from the outside world, is to create one?s own definition of Sanctuary through personal color choices."
Happy, Happy Retirement Days....
Return from Retirement Wishes to Retirement Advice...
Senior Volunteers - Do you volunteer?
Senior Volunteers are a great asset to any community.
We can fill in the gaps for both public government and private employers. We are welcomed into the work place to help with the load... plus it helps us, the seniors, too!
Volunteer -- For Yourself!Most retirees won't find happiness sitting at home... unless you are busy with a hobby or a busy lifestyle. We long for the day when we have all the time in the world for our own retirement activities... but suddenly you have so much time, loads of free time.
What will you do during your previous working hours... even if you were a 9-5 office worker, what will you do with 40 free hours, week after week? If you worked longer hours as many do, your work might be your Life! What will you do in retirement?
You have lived a life of working -- in the home, for your employer, for yourself. You can't simply retire to the rocking chair -- even if you aren't physically active, we must keep the brain working... even crossword puzzles, reading books, or computer fun will help.
Most people need more -- some level of responsibility, some type of structure to retired life. You actually need a reason to get up in the morning!
WHY do you want to keep busy? Everything you do is an adventure in Life! You'll find new friendships, maintain your self-esteem, find creativity in your life, develop new skills (never stop learning), and just generally find fun and contribute towards your well-being while helping others too!
Well, if you are sitting in the house, bored to death, why not get out and meet some new people? By volunteering, you get both physical activity moving about (instead of becoming a couch potato) and you also get mental activity to keep you thinking correctly. It's simply a Win - Win for You and the Employer!
Here are some Volunteer Quotesfrom important folks who know
the wisdom of volunteering.Ruthie volunteered at the local community college theater after she retired. She loved it. She answered calls, took reservations, sold tickets -- and she got to see the shows for free. Worked out perfectly for her.. what fun! Guess what? Before I knew it, Ruthie was working full time for the college... she volunteered, did her job well, and they offered her a full time job. I remembered how thrilled she was.. collecting her pension and now a second salary as a younger retiree! AND the employer got to see what a great employee she was, first hand, before she was even hired! IT was a win-win or both employee and employer!
I might volunteer at some point, give back to my community... but for now, I have retired to the internet!
Check out what some visitors have shared about their Volunteer Experiences!
Chuck delivers Meals on Wheels, helping other seniors.
Danny spends time volunteering to Feed the Homeless, community help is always needed.
Ruthie found a great opportunity at the Philadelphia Film Festival.
Bob appreciated art so his idea was volunteering at an Art Museum.
Read more below the Volunteer form!
If you have previously volunteered, please share your experience to give other retirees both ideas on where they might consider volunteering and how you liked that position (or not!)
Do you have an experience to share with others to put "volunteering" into perspective?
Friday, October 22, 2010
Retired and moved from FL to AZ
by Manuel
(Arizona)
after i retired, i needed a place where i can be away from all crowds and noise so i think of arizona first.
i have to choose either my son's location in chicago or any other location... but after long life working, it was in my mind to stay away from all world and tensions i had through my life.
in past i had in mind to go some place where i can do farming by myself so i choose some places. i even though of texas. but my friends suggested arizona for living after retirement. i had already visited arizona once in my life and i had though of coming back after retirement there. so it was quite easy fort me to choose arizona over other places.
i love to live in arizona because of its native culture here. people here have never gave up their old native culture and this place so close to nature. i have never seen such beautiful places full of nature everywhere.
i am living here on my savings, i have bought a small house for me and my wife. i have a little farm for me. i have some pets with me over here and have everything we need even beautiful golf courses.
i am living here full time. arizona is away from all troubles in world it is the deep down in the nature that overwhelmed the soul by its pure beauty of nature.
Ready to Retire? 30 years at the same job...
by Deb Fetter
(Farmingdale, NY)
I'm to young to stay home all the time and I am at a loss as to what I want to do. My husband is 10 years younger than me so he will still be working.
How do I enter this new phase of my life without anxiety?
Wendy: For many years, retirees would tell me "you'll know when you are ready..." and I always wondered HOW will I know? I think I'm ready, but I just don't know for sure.
Guess what? Suddenly, out of nowhere, after considering retirement for 4+ years, I KNEW I was ready. I hope the same happens to you.
Suddenly, I had few fears, I knew I was ok, I knew I had plenty to do once I retired.... because you DO have to keep busy somehow. Especially if your husband remains working, you quit work due to stress -- but then what?
You can't become a couch potato, can you? Just take some time to figure out what you'll do every day.... are you crafty? will you volunteer or work somewhere part-time?
Finally, I have a Retirement Transition e-group if you'd like to join us. We just chat via email on a variety of topics... everyone going through the same retirement transition. See the Email
Friendships on the left bar!!
Thursday, October 21, 2010
Retirement Quotes - Funny stuff!
Retirement, going towards "Senior Citizenship", can be funny!
I mean, it's not when you are ill -- but when you think about life and still want to get a kick out of it, why not laugh at yourself (and the other seniors around you)?
Red Skelton Said: "I don't let old age bother me.There are three signs of old age.
Loss of memory... I forget the other two!
Ain't it the truth!? Grin!
George Burns said: "You can't help getting older,but you don't have to get old!"
Funny? Yes. True, Oh yeah!
Wendy from Retirement-Online.com says: "As a boomer, and retired, call me Retired, that's ok.. but don't call ME a Senior!" which leads me to:
I will never give in to old age until I become old. And I'm not old yet! ~ Tina Turner
Middle Age is when your age starts to show around your middle. ~ Bob Hope
Retirement must be wonderful. I mean, you can suck in your stomach for only so long. ~ Burt Reynolds
Gray hair is God's graffiti. ~ Bill Cosby
Age doesn't matter, unless you are cheese. ~ J. Paul Getty
Too many people grow up. That's the real trouble with the world... They don't remember what it's like to be twelve years old. ~ Walt Disney
Thanks Walt... Have FUN Folks! More Retirement Jokes Quotes
Retirement Inspirational Quotes
Funny Retirement Quotes
Retirement Poems
Retirement Phrases, more quotes...
Retirement Phrases from Jimmy Carter, former U.S. President
Funny Retirement Jokes
Aging Quotes
You Might Be Getting Old If.....
Retirement Humor
Happily Retired - Does this describe you?
Who wants to be happily retired? We all do! Please enjoy this insightful article written by Dr. Elizabeth R. Lombardo, a psychologist and physical therapist.
The best way to maintain a happy lifestyle for newly retired folks is to AGE:
A = ASSISTING OTHERS:
Research overwhelming shows that when we help others out, we feel happier. So find a group about which you are passionate (children, animals, nature) and look for ways to help them out. This is a great way to apply your passions, strengths and values, all of which are part of The Happiness Prescription.
G = GRATEFULNESS:
So often people are focusing on the negative (what's wrong) as opposed to what is actually going right.
Sure, you may have lost a lot of money with the economy, but I bet there is still much good. If you can take a breath on your own, have people who love you, had a kitchen we you readily have food and water, why not appreciate those?
Ask yourself, what would I miss most about today if I lost it all tomorrow? Then start being grateful for and appreciating it. And every night write down 3 things about which you are grateful.
E = EXERCISE:
Research shows that exercise is as effective as anti-depressant medications for people with depression. Exercise also reduces stress, boosts confidence, improves sleep and enhances libido.
Sounds like a wonder drug to me. Look for ways to exercise that are fun and safe for you.
As a psychologist, physical therapist and author of the bestselling book "A Happy You: Your Ultimate Prescription for Happiness," Dr. Lombardo helps people have less stress and more happiness, regardless of what is going on in life.
Visit website: www.AHappyYou.com
See why Shaquille O'Neal says "Dr. Lombardo is my head coach for happiness"
Wednesday, October 20, 2010
Retired with money problems.
by Manny
(South America)
You can imagine the happiness, when I was with requirements for retirement, initially dedicated to expect a settlement, to make projects of all kinds.
I thought of organizing a business, and actually went out to find a partner or partners, but reality people take advantage of the naivety and ignorance of one.
Turns out I sold cards, calendars and Christmas cards, I trusted the person and gave him the money without any control. In the end, this was a failure, brought losses.
I receive fixed allowances, for life, I decided not to conduct any more business. I took weekend walks, the same to visit relatives in other towns, but all the money was running out.
I proposed to produce, by trying to live a bohemian life a little, it was not right, and I entered the world of internet.
I bought a guide on how to make money, supposedly filling surveys, I was excited and failed again. The guide is a fraud there were no such surveys that I bought for the equivalent of $10.
With time I persevered in the subject, by searching on Google, even got some pages called PTC (pay per click) emerged more than a "scam", until I got stability with seven of them. I took something related to labor law in my country, which actually won more but long time, to clarify without being a lawyer.
On the other hand alternate this with the film on television, football games, see news three times a day, seven days a week, the above happens in a South American country.
Relationships after Divorce: Retired and divorcing...
Are you retired and seeking relationships after divorce?
Is Divorce the End of the World as you know it?
Well, it is certainly different that?s for sure. We can shake ourselves down, pay the lawyers, sink a few beers (or Chardonnays, if we are really Cool) and we are back in the Race!
Not So Fast? No that?s too easy by far. Please Don't DO THIS!
We need time to figure out WHO we are -- before we even THINK about a relationship after the divorce! Especially, if this was a long term marriage -- and you are free, alone, single -- for the first time in many many years.
Stop and think -- who am I? where is life headed? who do I want to be now?
We need to take time out to reflect on what went wrong so we don?t make the same mistakes again, assuming of course it wasn?t our partner that was totally responsible for the divorce. Sometimes there are reasons that YOU might seek the divorce... and maybe this new freedom was totally wanted.. and maybe not.
Marriage, and divorce, takes two, doesn?t it?
We need to analyze the situation.
Take charge of our new life.. and just think about it all. Don't just live life.. plan a bit. You are in charge... where are you going?
Yes? Analysis is Good! You simply need to think about where life is headed now -- your new life!
So it?s decision time.
Do I want another Relationship?
Do I need another Relationship?
What will the Kids think?
Will anyone ever Love me again?
After all, I am now soiled Merchandise relegated for all eternity to the seconds shelf with a best before date now long since expired...
Hey enough of this negativity? that?s going to bring on a severe case of ?Why Me?? and You don?t want to go there! You really don?t!
Let?s assume that you are a normal, loving, sincere, active and intelligent person? now what?
Well, what about internet dating? You didn?t think that going back to the Pub, just like the good old days before Matrimony reared its head, was going to be what you would be advised to do?
There are more Dating Sites in Cyber Space than grains of sand in a Builders Yard. There is one for every type of Person known to Man or Womankind.
Sites for the Broad; or Broadminded; Sites for the Young at Heart but Feeble in Body; Sites for Geeks; Sites for the Over 80?s; Sites for Left handed Piano Players and just a few thousand more to boot.
In fact, the world of Dating Sites might make you wish you had never gone through the whole Divorce process at all. It?s almost as if the whole World is on the look out and that there are no surviving Marriages at all!
There must be mustn?t there? Out there somewhere? (OK, I am one of them... 30 years and counting!)
Actually I have a much better idea for the recently (or not so recently) Divorced Survivor.
Join a Club in your chosen Niche where you will meet like minded People who will gladly regale you all night with their stories (so you don?t have to say a word!) and all the while you can be eyeing up the potential. At least when you do find someone with potential you will have something to talk about.
All in all - there are many avenues open to you. You are only limited by your own lack of imagination and don?t (whatever you do) listen to your kids. They don?t think or behave like Adults yet (and haven?t been through a Divorce) so how would they know what is good for you?
You are not on your Own? You just took a few Wrong Turns and had your Directions Switched Off!
Check out:
Marriage after Retirement - read what other visitors had to say about their marriages.
Divorce and Retirement
Domestic Relations Orders ? Court Orders for pensions
Retirement funds <br>Lost in a Ponzi Scheme!
Lost in a Ponzi Scheme!" readability="11">My employer has had me in a retirement plan with Three Oaks Currency Fund, LP for the last 12 yrs. I have recently found out the this was a Ponzi Scheme. I have lost more then $78,000 although he was the contributor of all the money. Do I have any legal rights now or am I just out the retirement?
Wendy: I don't know but surely you should speak to an attorney about this. I did a search and found a law suit with the same company name.
You didn't leave any personal information, like where you live, so I can only guess that this is the same company... there is an attorney link and phone number at the bottom of the article.
Three Oaks Currency Fund of NV
Tuesday, October 19, 2010
10 Ways to Ruin Your Retirement
I recently enjoyed the article 10 Ways to Ruin Your Retirement posted at U.S. News, which provides an excellent start to key retirement considerations, including:
I'm sure we could come up with an even lengthier list.? For example, I'd add "not talking to your children about your finances" and "not getting enough exercise."? Take a look at the full article and share your thoughts below.?? What would you add? Take away?
Monday, October 18, 2010
MISTAKE TO RETIRE
by GINA
(OLEAN, NY)
YOU TAKE YOURSELF INTO ISOLATION, FEEL USELESS, LONELY, INVISIBLE AND DOWN RIGHT LONELY.
MADE THE MISTAKE OF MOVING TO A SMALL COMMUNITY IN WESTERN NY AND QUICKLY FOUND OUT THE PEOPLE HERE DON'T WANT TO MEET AN "OUTSIDER". THEY CAN'T BE BOTHERED AND HAVE THEIR OWN FAMILY AROUND HAVING LIVED HERE ALL THERE LIVES.
I AM NOT AS BRAVE AS I USED TO BE ABOUT STARTING OVER AGAIN. BEEN HERE NINE YEARS, GOD HELP ME !!!! SHIRLEY
Retired, Moved to Small KY town...
by Dan
(KY)
I moved to a small town in Northern Kentucky along the Ohio River and have been trying to reinvent my life.
At 57 years old I hopefully have plenty of time to do this. The increasing stress of teaching was causing health problems that were definitely stress related so I made a radical change.
I left the suburbs of Columbus Ohio for the quiet hills of the Ohio River Valley. I bought an old house with a river view and spent an entire summer making it livable. The first thing I bought was an old wicker rocker and put it in one of the rooms over looking the river valley. I needed to learn how to relax and let go of all of the stress.
Each morning I go to my little kitchen to make tea. The ceiling and walls are pressed tin and I tried to preserve the feeling of the late 1800?s. I don?t have big appliances, just a dorm style refrigerator and a hot plate and grill for cooking. No cupboards on the pressed tin walls, just old standing floor cupboards.
So, there I stand in my kitchen full of sunshine, watching the barge traffic on the Ohio River while I make my morning tea. I spend time walking my dog through our lovely little town every day. Up and down the steep hills, watching the birds singing in the trees.
The architecture here is wonderful and I do a lot of photography of the homes and buildings from as early as the late 1700?s. For a small town it is surprising how much there is to do. I did a lot of research on all the towns along the Ohio River until I found one that had lots to do yet would have a slower pace and more satisfying atmosphere.
Since I?ve been here I?ve seen a world-class concert pianist, quite a few free street concerts, a symphony orchestra, several musicals presented by both the local schools and the adult professional troupe based here.
There are two museums and several art galleries. Just the picturesqueness of the town can be enough to fill an afternoon of walking. I?m still trying to set up a studio in my house where I can paint and do my other art projects.
I also plan to work temporary jobs, I had a career and that was enough of that for me! I prepared taxes this year and will be a Census worker again and will then look for simple part time jobs until next tax season roles around.
I am looking for new experiences and meeting people here and am satisfied working for minimum wage. I live simply now and vastly enjoy the challenge of living creatively and wisely.
I have taken an enormous step backwards financially but find my life to be much more satisfying and yes, I am still trying to learn how to relax as I watch the old muddy river move on.
Artist Trading Cards
by Patty
(Levittown, Pa.)
They are blank pieces of sketch book paper or illustration board about the size of a playing card that you decorate and trade for free on the net with other traders.
It's a lot of fun.
Sunday, October 17, 2010
Sorry, I could not read the content fromt this page.Saturday, October 16, 2010
The Prince of Survival .
By (Mr.) Durgesh Kumar Srivastava
JiBhaiya@gmail.com
New Delhi, India
JiBhaiya@gmail.com
New Delhi, India
Mohan ji is the Director of the Institute of Management where I worked as a Visiting Reader in Management till July 2010 before I had to quit the job owing to my open heart surgery. The incident that I narrate in this blog happened about two or three years ago.
Mohan ji did not come to the Institute that morning. He phoned the office to inform them that he had to take his aged mother to hospital and would not be coming. I phoned Mohan ji in the evening. ?Arre Yaar?, he told me, ?Mata ji ki gurdan aur kandhe akad gayay tthhay !? (Oh, mate, Mummy had got a frozen neck and shoulders !?)
It seems that his Mummy had sat for 36 hours non-stop glued to the TV set which was showing something live and which was later billed as the media event of the decade in India.
What is a media event ? I am no student of mass media and communication. I have taught, for more than 40 years, in University colleges where advertising, publicity and salesmanship are taught as a field of studies. But I had not heard of mass media and communication till about 15 years ago. I once asked a fellow teacher who was more knowledgeable ?What is this mass media??
He replied with a knowing smile ? ?This is a new thing. You are too old for this !? I said ?Nevertheless, brother, please tell me something about mass media.? He said ?Mass media is the art and science of making news of mass appeal and then profiting by disseminating it effectively.? I said ?Give me an example, please !? Then he gave an example, which I knew since my college days ? ?When dog bites man, it is no news. But when man bites dog, it is big news.?
So, all the cards fell into their right places. I immediately understood what a media event is. It is a media event when an un-invited couple gate-crash into a Z-category security zone to attend a VVIP reception party where Heads of State and Government are being feted. It is a media event when the strap of a celebrity dancer?s upper dress snaps in the middle of her dance causing a ?wardrobe malfunction?. It is a media event when a visiting member of the Royalty makes an unprintable remark about the host country not knowing that a media-man has kept his tape recorder on.
So, what was the media event the TV coverage of which had been so compellingly engrossing that the old lady had not even changed her position while watching TV for 36 hours. The event took place a few hundred kilometers from New Delhi.
A certain small boy, just a toddler aged 5 years or so, had fallen into a 30 feet deep hole in the field dug up to install a tube well and left uncovered carelessly. After the local villagers and the police failed to devise a rescue plan, the Indian Army was called in. The Army engineers and Jawans (soldiers) fought a 36 hour battle against heavy odds and brought out the child safely.
There were nation wide prayers in Hindu temples, mosques, churches and Gurudwaras for the safety of the child. The entire rescue effort was telecast live on TV. When the child was safely brought out by the Army people and handed over to the distraught parents, there was national rejoicing. Crackers and fireworks were set off by the people, who embraced in the streets and distributed sweets.
Prince was the name of the rescued child. Political leaders descended upon the village in large numbers offering gifts such as tricycle, scholarships for studies and promise of life-time financial support to the child and family. But no political leader could grab the attention of the media. The hero that day was PRINCE and Prince alone.
I do not know what happened to Prince later. He has not been mentioned in the media again. Many other children have fallen into tube-well holes since then, some dying and some surviving. While the Indian Army was fighting a difficult battle to save Prince, there were some people who were engaged in laying bets on his survival or otherwise. Bookies were doing roaring business. (Betting is illegal in India).
I wrote a postcard to Mata ji (our Director?s Mummy) praising her for her deep concern for the child and wishing her early relief from her frozen neck and shoulders. It seems I too am getting a frozen neck right now uninterruptedly writing this blog on computer! So, Help Me God !
By (Mr.) Durgesh Kumar Srivastava JiBhaiya@gmail.com New Delhi, India, 23rd September 2010
Social Security: spousal benefits
63 year old still working, wife of same age has been mostly a homemaker so does not have enough quarters to retire on her number... can she retire on my number even though i continue to work. we have been married 42 years and are from weimar, texas
Wendy: Your wife is entitled to l/2 of your benefit at "normal retirement age". If she starts earlier, at age 63 for example, she'd lose part of the benefit (approximately 65% at age 63).
Call the 1-800-772-1213 Social Security number and set up an appointment at their office. When you get there they will have your file ready... so there is no wait. Ask them what she'd get now compared to waiting a few years for her full 50% benefit at age 66... and then either apply for the benefit, or wait a bit longer to get the higher lifetime benefit.
One thing to consider... do you NEED it now?
What is her family life expectancy? If her parents lived to their mid-80s or beyond, she might want to wait for the full benefit as she'd draw that payment for 20+ years.
This is the Social Security website page, if you want to read more!
Best wishes!
Friday, October 15, 2010
Where Time Stands Still .
(Mr.) Durgesh Kumar Srivastava
JiBhaiya@gmail.com
New Delhi, India
JiBhaiya@gmail.com
New Delhi, India
The city of Allahabad in north central India is situated near the confluence of two big rivers ? the Ganga and the Yamuna. Both these are perennial rivers which rise in the upper Himalayas and are fed by the waters of many glaciers. As the rivers meander towards their meeting point they are joined by smaller rivers such as Ram Ganga and Chambal.
Ram Ganga flows through the Corbett Wildlife Park known for its tigers, elephants and fresh river trout. Chambal flows through treacherous ravines and is known for its dacoit gangs and crocodiles.
The river front in Allahabad is truly magnificent. In medieval times, Moghul Emperor Akbar built a large fort straddling the right bank of Ganga and left bank of Yamuna as a strategic defense of the city of Prayag Raj. Akbar renamed the city Allahabad. Allahabad is known for its spiritualism, culture and education. The University of Allahabad is one of the oldest Universities of Asia.
The beauty of the riverfront is enhanced by three magnificent Railway bridges built under British Rule. When in full spate during the rainy season, Ganga is about 5 or 6 kilometers wide while Yamuna is about 2 or 3 kilometers wide. After Yamuna joins Ganga at the confluence point, the holy Triveni Sangam, Ganga assumes a gigantic size and flows on towards the Bay of Bengal, passing through the holy city of Varanasi and the ancient city of Pataliputra (modern Patna).
A boat ride on the placid Yamuna is the favourite pastime of the people of Allahabad. In the early 1950s large luxury boats called BAJRAs could be seen tied to strong pegs driven into the river bed or to the trees on the river bank. A Bajra could seat 40 to 50 people comfortably in cushioned seats which were fixed around a central raised platform on which performers with musical instruments would sit and present Kajri a genre of folk songs dedicated to beauty, love and romance. One particular Kajri that I recall from my childhood had these words ..
Sakheeri Piya Nahin Ghar Aayey
My beloved has not yet returned home,
Ghir-ghir aayee badariyaa naa
Look how overcast the sky has become !
The boat ride would generally be planned for evening hours on a full moon night. Picnickers would arrive dressed in fine muslin Dhotis and Kurtas (a typical dress combo for men in summers) with rose and khus perfume making the night air lightly fragrant. Delectable eatables will be brought from the famous shops of the city ? Sulakiram?s, Netram?s for sweets and Hariram?s for salted delicacies. Some of these famous shops have been selling their goodies for generations.
Ladies and children would be excluded from these picnic boat rides for the sake of safety and may be for modesty too, since there would be Bhang and Thandai (cold drinks laced with intoxicants) prepared on the Bajra itself and, at least in the earlier years of 1930s and 1940s Mujra (song and dance programme of professional women singers and dancers).
The Bajra would be untied when the moon rose in the sky and allowed to float in the slow current of the Yamuna. It will be guided by MALLAHs a professional group of rovers. There would be no attempt to raise the speed. Nerves will be completely soothed by the time the Bajra would return to the starting point at about midnight. Professional cooks would keep hot dinner ready on the river bank. In deference to the holiness of the river, meat preparations and liquor would not be served.
There are no Bajras on the river today. The languid pace of life of yesteryears has been replaced with the fast paced routines of the modern world. You may still hear strains of music wafting from motorized boats on the river. But the music is from i-Pods, mobile phones and other electronic equipment. Liquor is no longer taboo. Bhang and Thandai have given way to chilled beers. The only thing that has not changed is river Yamuna itself. It continues to flow placidly as it has since times immemorial.
For the river, time has stood still.
What is Resveratrol? A new product idea for retirement...
What is Resveratrol? Have you ever heard of Reservatrol?
I haven't, until quite recently when I started to research retirement happiness. I emailed with Kaitlyn from ReserveAge Organics and wanted to share the info I learned about Resveratrol here because this sounds so perfect for retirees.
There are Reservatrol Scams online.. beware!
The ReservAge company, on my site, is legit and has won awards for their products. Learn more here and be educated so you avoid this scam! I want to be sure that readers understand this...
Please educate readers about Resveratrol... what is it and why would it help retirees? How will it help retirees to maintain happy moods?
Resveratrol is the active polyphenol found in the skins, seeds and stems of grapes, which has been proven in studies to be the element in red wine that increases cellular productivity and longevity, leading to a longer and healthier life.
There has been over 2,000 clinical studies on Resveratrol which shows it provides rapid cell rejuvenation and offers maximum antioxidant protection, and one capsule of Reserveage Organics' Resveratrol 500 mg delivers the health benefits of over 2,000 glasses of red wine!
Within 2-3 weeks individuals will feel increased energy and improved overall mood.
Why is this product effective? Why does it work?
Reserveage Organics provides the only Resveratrol products made with certified organic ingredients.
Why is this important? Well, Resveratrol is naturally produced by plants in defense to environmental dangers such as harsh weather and insects. When non-organic vineyards spray the grapes with pesticides and herbicides, it is preventing the plants from producing the most potent form of Resveratrol.
Reserveage harvests its grapes from an exclusive organic and biodynamic vineyard in southern France, so consumers are receiving the most potent Resveratrol available.
How long has this product been on the market?
Reserveage began producing its products in early 2009. Despite the recession, Reserveage has become one of the fastest growing companies in the natural products industry. Reserveage has won various awards for product excellence and it was a finalist for the 2010 Best New Company of the Year category from the American Business Awards.
After purchased, how long does someone take it before they see the effects?
An individual taking Reserveage Resveratrol will begin to feel increased energy and improved mood within 2-3 weeks.
Finally, Tell me a bit about your company. How and where is the product manufactured?
With a respectable start offering four products in one brand, Reserveage now boasts more than 30 products across three brands, with several new brands in development. In an effort to promote the sustainability of the environment, Reserveage products are packaged in recycled amber glass, recycled cardboard boxes and are printed with vegetable-based inks, making Reserveage the only Resveratrol brand that does not utilize plastic packaging. Due to its exclusive relationship with seventh-generation organic, biodynamic vineyards, Reserveage is able to purchase raw materials directly from the vintners. This ensures that the growers receive the highest possible pay for their labor while Reserveage is able to supply organic-based Resveratrol at a price competitive with non-organic brands. Reserveage also holds exclusive rights to the entire organic muscadine grape crop in the Southeastern United States. All Reserveage supplements are created through a patent-pending, proprietary process called ?Vine-to-Capsule? technology that preserves the essential phytonutrients found in grape skins. By maintaining these strict standards, Reserveage boosts the bioavailability of Resveratrol resulting in products unsurpassed in purity, potency and freshness.
Many Thanks to Kaitlyn!
2010 Best of Natural Beauty Award by Better Nutrition Magazine
2009 Best New Supplements of the Year by Vitamin Retailer Magazine
2009 Best of Supplements Award by Better Nutrition Magazine
Learn more about Resveratrol at the Reservage.com website!
If even one retiree can find energy and happiness with Reserveage products, I'd be very happy too! If you try this, please use the Contact me (left navigation bar) to tell me how you liked it! I'd love to hear from you! Thanks! Wendy
P.S. I got an angry email on this product and wanted to share more about Reservatrol Scams here!
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