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What Is Retirement

Winston Churchill reached the age of 65 with no significant achievements. He
received recognition after he became a prime minister and made his famous
speeches.

Gioachino Rossini, on the other hand, wrote his 39th and final opera,
"Guillaume Tell," and ... retired. Rossini was clear about his
intention to retire years earlier - Stendhal wrote in a letter to a
friend in 1819 that Rossini was eager to stop working at 30. Between
these extremes is the ever more popular semi-retirement. It is clear
that, as a society, we are moving towards more flexibility. And we want
our preferences and our choices to be respected.

People reaching retirement age now are healthier and more educated than
ever before, and, depending on the poll, between 66% and 75% of them
intend to work because they need money or want to contribute. Only 25%
actually do work past the standard retirement age of 65; polls show
they expect to never retire at all.

Looming Retirement, Enormous Anxiety

80% of Americans worry about retirement, shows a University of Nevada
study. 44% of Americans have little or no confidence they will be able
to retire in comfort, according to the
AssociatedPress-Life-Goes-Strong survey. The poll showed that just
11% are strongly convinced they'll be well off when they retire. Nearly
6 in 10 said their nest eggs shrank during the recession, and 42% of
those said they'd have to put off retirement because of it. About a
quarter of baby boomers say they have no retirement savings, with the
exception of their homes. Median savings are down to $40,000, and
almost two-thirds expect to rely on Social Security for most of their
retirement income. We are in need of creative, smart solutions to this
problem.

Retirement Planning and Worrying

Eighty percent of retirement planning consists of worrying. In
particular, worrying about money. When almost everyone is currently
experiencing losses which negatively effect their retirement savings,
it is hardly surprising. more ...

How to Find Motivation for Retirement Planning

The majority of Americans do not plan for retirement, even though it is
an essential part of their financial security. Here are a few
suggestions for finding the motivation, or the energy, to start on your
path to prosperity.

What's at Stake

If you do not want to be among 80% of Americans who worry about income
in retirement, and if you would like to create the wealth necessary for
the peace of mind and the realization of dreams that you have for the
second half of your life, you need to find the motivation to think
ahead and take the right action now.

Why planning is important Research studies prove that planning is a
very strong predictor of wealth. Annamaria Lusardi, a professor at
Dartmouth College, came up with a few studies revealing that those who
do not plan get close to retirement with half the amount of wealth than
those who have done some planning - HALF! (Annamaria Lusardi, 1999,
2009; Lusardi and Beeler 2007, Lusardi and Mitchell, 2007, 2009;
Ameriks, Caplin, and Leahy, 2003). Planners are more likely to
experience a satisfying retirement because they have higher financial
resources to rely on. Renowned psychologist Abraham Maslow put safety
and security at the foundation of the Pyramid of Needs. This is just
common sense. Spending every day of your life in retirement worrying
about money is not going to be a satisfying experience. more ...

Will your pension be enough to live comfortably?

Have you given any thought to how comfortable your retirement is going
to be? The technical term describing your level of comfort is the
replacement ratio. It describes the proportion of your average lifetime
earnings that your pension will pay out. For example, if your average
salary was $100,000 a year and your pension is $60,000 a year, the
replacement ratio is 60%. more ...

Retirement age

Every time someone brings up the minimum retirement age, I feel
apprehensive. What scares me about retirement age is that while 75% of
Americans say that they want to work in retirement, only 25% actually
do. So, while we are going to hear more and more about raising the
minimum retirement age, the fundamental question is, why aren't people
who say they want to work actually working? more ...

Retirement Planning and Financial Scams, or How to Be Your Own Sherlock
Holmes

Do you recall how famously focused the great detective Sherlock Holmes
was on his profession and how indifferent to other basic facts about
the world? The man who could identify an obscure species of jellyfish
actually boasted about his ignorance of the solar system.

I wonder how Holmes drew the line between useless and practical
information. In the world of retirement planning, you of course need to
know the practical, particularly how to prevent being scammed by
unscrupulous people. It is critical that you become your own
super-focused and brilliantly educated sleuth. more ...

Retirement planning and Archimedes

Remember the legend of the naked man jumping out of his bath and
running out into the street shouting "Eureka! Eureka" ("I've found it!
I've found it!")? The famous Archimedes principle, formed in the
overflowed bathtub, states that the loss in weight of the immersed body
is equal to the weight of the liquid displaced.

I often think about Archimedes when I talk to people in retirement. I
noticed long ago that people talk - for the most part - either about
their problems, or their passions. If someone has no passions, she or
he will bring up their problems. Passions displace problems - although
I haven't quantified the formula the way Archimedes did (but I do take
a lot of baths and continue thinking about it). more ...

Retirement Truths

Aging is a fact, but how you experience it is your choice. Many
research studies show that life after 50 can be the most treasured time
of your life. This happens because life perceptions are more positive
and feelings of worry or stress decline. Research also shows that a
fulfilling retirement is impossible without concerted planning, which
should extend beyond the requisite financial plan to also encompass
your emotional wants, needs and desires based on thoughtful and
practical self-reflection.

Retirement is the time when you have already fulfilled your obligations
to others in life and are now free to make some new choices with
yourself as the priority. Indeed, with proper preparation and
forethought, you can realize your full potential and enjoy an
astonishing quality of life in retirement. This may include working,
mentoring, volunteering, traveling, learning and anything else that
helps you feel secure, joyful, independent, valuable and carefree. more
...

Searching for a Retirement Paradise: Seven Attitudes of a Person
Finding their Perfect Lifestyle

Ernst & Young reported in July 2008 that three out of five (60%) middle
class retirees would outlive their financial assets if they didn't cut
back on spending significantly. As more and more people consider this
reality, they begin to search for options that guarantee a peace of
mind that comes from knowing that they are not going to run out of
resources.

While some people take the attitude that cutting back on spending in
retirement is a negative thing, I dedicate this article to the brave
souls who welcome the challenge and venture out to explore the world no
matter the budget. Do you think it might be you? You will find out soon
enough by trying on these seven qualities of a person who would be
happy picking up and landing somewhere in a tropical paradise with
cheap food and housing (and believe me, there's a bunch of people
already sitting there).more ...

Three Steps Towards Retiring in Costa Rica

"One of the biggest mistakes people make in retiring offshore is
equating affordability with quality of life," says best-selling author
on retiring in Costa Rica Christopher Howard. His view on the
attraction of retiring in Central America? "You grow up, go to
college, choose your career, get married, your kids grow up and BOOM -
what do you do? Come to a place like this! It offers a whole new
exciting stage of life, a whole new adventure!" more ...

Retirement in Costa Rica Is About Your Lifestyle, Money is a Perk!

More and more people are looking offshore. Costa Rica is one of the
best choices for all the amenities it has to offer. It's
"user-friendly" to Americans: has a dish network, shopping malls,
movies in English. more...

Is Medical Tourism a Viable Option in Retirement?

Money is tight, and people are looking for options to save on medical
costs, especially in retirement. I spent the beginning of this year in
Costa Rica, investigating the practical solutions to both medical and
cost-of-living concerns of many Americans who approach their retirement
with dread, rather than eager anticipation. more ...

Retiring Well: How to Manage a Change in Lifestyle

Most people look forward to the freedom of retiring from full-time
work, but do not know how to handle a change in lifestyle that it
brings about. I have often wondered why people are so resistant to
change, even when it is positive. Since more brain research is now
available on the subject, here is your guide to successfully navigating
change, and retiring to a great lifestyle. more ...

Retiring Well: Five Insights into Changing Your Lifestyle

Why is change so difficult? Why would only one in nine people change
their lifestyle habits when their health, or even their life depended
on it?

Our success depends on our ability to change our behavior. Here is one
practical suggestion that comes out of neuroscience. Since we fall into
routine so easily, if you feel stuck, remember that insights come in
new environments. If you feel stuck in your creative work, for example
writing, take a few hours and visit a museum - any museum! Your ideas
will start flowing. The reason people go to retreats is that it is
easier to get going with good habits when you are away from home. The
reason "Eat, Pray, Love" was so successful is that it struck that nerve
- yes, you can have an incredible transformation right at home, but it
is so much easier to do when you're on the road! more ...

Retiring Well: Overcome the Force of Habit that Locks You into Routine

In my previous article on retiring well, I discussed a few key insights
into creating a great lifestyle. Having a splendid vision for your life
is a step in the right direction. How do you make sure that you can
actually follow through with it?

I believe it is essential to understand the fundamental reason
underlying our ability (or rather lack thereof) to handle change: our
brain is built in such a way that strongly predisposes us to favor
routine. We are the proverbial creatures of habit. Let me provide some
basic facts from brain research. more ...

Retiring Well and What You Need to Know about Quantum Physics

In my previous article on retiring well, I discussed how the brain is
designed in a way that predisposes us to resist change and favor
routine. In this issue, I will examine another mechanism of which you
need to be aware: the observer effect of quantum physics. And I will
certainly explain how it relates to retiring well!

Most people have heard of the astonishing properties of quantum
mechanics. The observer effect, which has been experimentally verified,
says that the behavior and position of any atom-sized entity (the
really tiny atoms, electrons, or ions) change when the entity is
observed. In one of the experiments, beryllium atoms that were watched
and measured by scientists, decayed slower when the scientists took
more measurement samples - the theory is that the additional attention
paid by the scientists caused the atoms to have an extended
lifespan. more ...

Retiring Well: Why People Fail to Improve their Lifestyle
How do we normally go about changing behavior? If you think back to
your school years, the system that was used was based on rewards and
punishments. The same goes for most work environments. It's no wonder
that we apply the same to ourselves when we want to change our diet or
anything else. This system is entrenched because when it does not work,
it's so easy to say that either the rewards were not chosen correctly,
or that the magnitude of the rewards and punishments was not
sufficient. It is the ultimate trap - the flaw is in the system, but it
is easy to place the blame on the incompetence of the person
administering it. more ...

The Art of Renewal: Creating Quality of Life in Retirement

This is excerpt from Joy Compass: How to Make Your Retirement the
Treasure of Your Life.

Renaissance means a renewal of life, vigor and interest. It is the
rebirth and revival that you can experience at any moment in our lives.
Psychological age is flexible because it is personal and subjective.
How old you feel can change in a split second. more ...

Better Aging Experience in Store for Us

Walking around the exhibit floor at the AARP 50+ Expo in Orlando at the
beginning of October 2010, I was amazed at the amount of innovative
thinking that has gone into making aging more comfortable. The
organizers have done a spectacular job informing the Expo's attendees
of various ways to enhance their quality of life. "We are constantly on
the lookout for new technology and ideas that help people live their
best life at 50-plus," emphasized CB Wismar, Vice President of AARP
Events and the marketing wizard in charge of managing the entire Expo.

We have new tools to help us stay fit, both physically and mentally,
well into our old age -- read on!

Quality of life in later years = comfort and independence in our own
home

One of the major issues we face in later life is remaining comfortable
and independent in our own home. I recently spoke about home care with
Anthony McCabe, President of Genesis Creations Contracting in New York.
His company is an environmental modification provider. Remember this
term! I am sure we will encounter it more and more often, as clients or
as caregivers. "Quite often the person in need is mistaken for the
patient," says Anthony McCabe. "For instance, in the matter of grab
bars in the shower area, it could be more important to install grab
bars for the care giver for stability. We must always think of the
needs of all parties involved. New technology service offers to ease
the burdens of the caregiver as well."
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