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January 6, 2011

Baby Boomer Retirement

There was a colossal increase in the birth rate after the Second World War. These babies were dubbed the Baby Boomers and they are the babies born between around 1946 and 1960. This means that the first Baby Boomers became pensioners in 2011 at the age of 65.

It ought to be noticed that when the first Baby Boomers came of age, they created the changes in civil and human rights and discrimination associated with 1968. They also fashioned the Hippy Movement, Flower Power and the Sexual Revolution. So what will happen when they get to be pensioners?

The Baby Boomer generation is the richest generation ever, but they have never felt the drop in income, status, health and mobility associated with older age, so it is likely that there will be some sort of pensioners’ pressure group.

About 22% of the American population are Boomers, which means that there will be tens of millions of people retiring over the next ten years. This has a number of vital consequences. The first one is for health care; the mass retirement could or almost certainly will put the health care system under enormous strain.

The second one is employment. Because the Boomers’ generation is the largest section of society, when they retire, there will be a shortage of labour. After all, if the Boomer generation is the biggest section of society, then by definition the following generation has to be smaller.

These statistics are approximately the same for all Western countries and it almost certainly accounts for why there is a rush in Western countries to permit immigration. Firstly, immigrants will take up the slack in the workplace and second, their taxes will assist pay for all the old Boomers.

So, hopefully, neither the state finances nor the Boomers’ health will suffer, but what other effects may this mass retirement have? Well, there could easily be a huge increase in demand for retirement homes both in one’s native country and abroad. Baby boomers are prolific travellers and many may like to retire to warmer countries or warmer parts of their country.

The southern states, provinces or counties of Western countries in the northern hemisphere and warmer countries in general, like Thailand, Spain and Italy could see a growth in retirement housing. The construction industry might get a much needed shot in the arm.

Most Western governments and many private construction companies already have plans and even dynamic projects to fulfill this requirement for retirement housing when it begins to kick in. If the Boomers make a mass migration out of the cities into the countryside or to the seaside, it could free up millions of inner city dwellings and at the same time create plenty of construction work outside the cities. But not only that, millions of additional jobs will be created in support and service staff positions.

The aging of the Baby boomers could be just the kick start that most deteriorating Western economies need to get back on their feet after the banking crisis of 2008-2010. Let’s hope so.

Owen Jones, the writer of this piece writes on many topics but is currently concerned with Baby Boomer Retirement. If you want to read more, please go over to our web site entitled Retirement.

January 2, 2011

Ways To Help You Enjoy Your Retirement

People regard retirement in different ways. Those who have saved or invested enough to be able to enjoy their retirement in style usually look forward to abandoning the daily grind, whereas those who have not saved are usually not looking forward to it. However, there is another set of people who span both of these classes who do not want to retire either.

It is not because they do not have sufficient money, it is because they are scared that they will not have enough to do. This is a real shame, but it is normally proof of an over-concentration on one’s job and not enough other interests outside work.

Here are a couple of tips to help you prepare yourself to make the most of your retirement.

Do not regard retirement as the end of your useful life. Yes, it probably was for your father or grandfather, but it does not have to be for you because individuals live longer nowadays. Your grandfather almost certainly only had six or seven years after retirement, but you could have twenty or more. If you still want to work, you can, either for someone else or for yourself.

Broaden your circle of friends and interests or hobbies. Five to ten years before you retire, start an interest that has absolutely nothing to do with your career – archery, ballooning, deep sea fishing, marathon running, bridge or embroidery, anything, but be prepared to fill the gap that losing the nine to five will make.

Many retirees become far less active than they were when working. This not good, so plan to take up a replacement activity like gardening, rambling, swimming, sailing or golf. In fact, anything to keep those pounds from piling on just at the time of your life when they can do the most damage. If you do not like the idea of taking up an active hobby, modify your diet and walk for thirty minutes every morning and every evening.

If you do not want to start a new career or a new business, consider giving some of your free time to a good cause. You could visit the elderly or the lonely in hospital. You could visit lonely individuals in the community or you could teach computers or gardening to those who would like to learn. Join the Women’s Institute, Victim Support, visit prisoners or help out at one of the local institutions.

Study something new. Have you always wanted to be able to play the guitar, speak Spanish or use the Internet? Well, now is your opportunity. There are normally day and night classes in these and other subjects.

Travel more. All right, you might not have a great deal of money, but you do have a bus pass (in lots of countries, anyway). You could set up a fortnight’s holiday using your bus pass for daily travel from guest house to guest house. You could write a book or merely read all those books that you have not had time to read for the last fifty years.

Owen Jones, the author of this article writes on many topics but is currently concerned with Ways To Enjoy Retirement. If you want to read more, please go over to our website entitled Retirement.

June 17, 2010

Retirement Investment Vehicles

Retirement may be a long, long way off for you or it might be just immanent. It doesn’t how near or far away it is, you have really got to start investing for it right now. However, saving for retirement isn’t what it used to be with the rise in the cost of living and the instability of social security. Nowadays, you have to invest for your retirement future, as opposed to just saving for it!

Let us commence by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron collapse and all that followed, people aren’t as confident in their company retirement plans anymore. However, if you choose not to invest in your company’s retirement scheme, you do have other options.

First of all, you can invest in bonds, certificates of deposit, money market accounts, mutual funds and stocks in alphabetical order. You do not need to tell anybody that the returns on these investments are to be used for retirement fund. Simply let your money grow over a period of time, and when an investment reaches its maturity date or value, reinvest it and continue to let your money increase.

You can also start an Individual Retirement Account (IRA). IRAs are very useful since the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you pay. An IRA may be started at almost any larger bank.

A ROTH IRA is a much newer type of retirement vehicle. With a ROTH IRA, you pay taxes on the money that you are investing into your ROTH IRA account, but when you cash out, no federal taxes are owed. Roth IRAs can also be started at most of the larger financial institutions.

Another popular very sort of retirement vehicle is the 401(k). 401(ks) are usually provided by employers, but you may be able to open a 401(k) on your own. You should talk to a financial advisor or an accountant to help you decide whether this is right for you.

The Keogh scheme is another kind of IRA which is more suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another kind of Keogh plan that people typically find easier to administer than a regular Keogh scheme.

Whichever retirement investment scheme you choose, just ensure you do pick one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in one kind of investment today.

If you or someone you know is approaching retirement, please go along to our web site at Retirement and Pensions

categories: retirement,work,employment,family,society,sociology,advice,self help,business,finance,people,seniors,old age pensioners,other

May 9, 2010

Brighten Retirement Do’s Up With Retirement Jokes

Most people approach retirement with a gloomy face. They approach retirement as if it is giving into the hands of fate and the debilitation of the body. Therefore, it is very important to help the retiree understand that retirement is something to be accepted because it is an inevitable development in life. But how can you do that? Its simple: just poke fun at retirement. Retirement jokes, like the ones made in speeches are popular. However, speeches tend make people emotional to the point where everyone in the room is in a state of gloomy inevitability and sympathy. But one can raise the level of the atmosphere with retirement jokes (without insulting the retiree, of course).

Examples: Further to speaking about the wonderful times the speaker has shared with the retiree, he/she can add something that will lighten up the mood. One could give a tombstone slab, which has the inscription For Future Use on it. If you’re a friend, you can also make a joke by calling the retiree granddad or grandfather whenever the retiree speaks to you, as in “OK, grandfather”. This may also help lighten the atmosphere. But dont go over the top, of course.

Another gag that might help is a wig in an unusual color like pink or purple. A follow up item to that joke might be that he may need a wig in the near future. If he refuses it, say: Okay, then wear a paper bag instead when you go bald. Always be prepared when a joke falls flat. So keep those backup jokes ready! Believe it or not, some agencies write and sell personalized retirement speeches with witty jokes built in after understanding the personality and interests of the retiree. These companies usually add jokes about the retirees profession. If one cannot find enough retirement jokes, a visit to a bookstore can help a great deal.

There are joke books that cover a wide range of topics, only one of which is retirement. A little search on this or that will help inspire the reader if he/she isnt a natural comedian. These may also be great retirement gifts too, helping the retiree have a good laugh on one of those boring Monday afternoons. There are also a lot of websites on the net that provide a lot of jokes and free retirement e-books. The e-books that are available range from the 150 Best Things Said about Retirement to Retirement Wisdoms You Wont Get from your Trust Managerr.

Conclusion: You have a lot of leeway when telling jokes at a retirement party. If you know someone who is coming near to retirement, you can first send an email or two which has retirement quotations like retirement is when everyday is Saturday and retirement: goodbye tension, hello pension!. It is a good gesture and creates the impression that you understand what the future retiree is facing.

Again, keep the retiree (future or not) relaxed as much as you can. Make him/her think about retirement with a smile and not with a sigh as much as you can. And when the retirement party does come, adopt the same light-hearted approach, telling jokes here and there and doing some gags like the ones mentioned above. Not only will the retiree be less wary about retirement, he/she will focus more on the people who kept him happy on that bitter-sweet day, especially the person that presented him with that strange pink wig.

If you or someone you know is nearing Retirement, please paste our website at Retirement

categories: retirement,work,employment,family,society,sociology,advice,self help,business,finance,people,seniors,old age pensioners,other

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