The Retirement Planning Coach

The New Retirement Age

noreply@blogger.com (Dave Erhard) — Tue, 23 Aug 2011 00:56:00 +0000

In 1949 the average retirement age for men globally was 64.3. But by 1993 the average global retirement age had fallen to a low of 62.5 These retirement statistics come the Organisation for Economic Co-operation and Development which analyzed retirement ages in 30 countries which have national retirement plans.

Today the age is 63 at which private-sector employees with full-time work in an uninterruped career can first draw retirement income and other retirement benefits from the respective national pension schemes without any penalties or reducions. The estimate is the average retirement age will rise to 64.6 by 2050.

All sorts of studies indicate that anywhere from 25 percent to 50 percent of Americans plan to work past the traditional retirement age of 65. Some plan to never retire but as a columnist recently stated, "Not planning to retire is not a retirement plan."

The important point here is that there will be a big disonnect between the percentage of Americans who plan to work past 65 and those who actually are able to do so. A recent study indicated that currently only 16 percent of American men work past their 65th birthday.

Here are are a few funny retirement quotes for your enjoyment:

Is Social Security Sustainable for My Retirement Plan and Your Retirement Plan?

noreply@blogger.com (Dave Erhard) — Mon, 08 Aug 2011 04:49:00 +0000

Is Social Security sustainable enough to include it as a major part of your retirement plan and my retirement plan? Probably not. I certainly won't count heavily on any government programs such as Social Security in my retirement plan.

The U.S. federal government already spends $26,000 per year for every American retiree (anyone over 65). Almost half of the American federal budget today is accounted for by and Social Security, Medicare, and Medicaid. If nothing changes, (unlikely, of courese) these three programs will consume more than 100 per cent of the U.S. budget in 25 years.

PIMCO CEO Bill Gross in an article called Skunked states that the U.S. situation is much worse when one includes the unfunded liabilities of Social Security ($8 trillion), Medicare ($22.8 trillion) and Medicaid ($35.8 trillion).

What's more, Silicon Valley venture capitalist Mary Meeker calculated the balance sheet for the country of USA as if it was a company, and estimated that America Inc. presently has a negative net worth of $35 trillion to $40 trillion.

Clearly, this is definitely unsustainable. No doubt there will be major cuts to American social programs along with significant tax increases.

Social Security may still be there twenty years from now but the writing is on the wall. It will be severely reduced. There will be a major restructuring of the American programs including Social Security simply because the system can't afford all the debt:

Here are some retirement quotes about Social Security and money to place things in proper perspective so that your retirement plan and my retirement plan make more sense:

How to Retire Happy, Wild, and Free

Zen I Got Rich

Ernie Zelinski

The Joy of Not Working

For more retirement quotes see: Sensational Retirement Quotes for Smart People

Prosperity in Retirement

noreply@blogger.com (Dave Erhard) — Mon, 07 Mar 2011 05:01:00 +0000

If you would like a prosperous retirement, here are a few prosperity quotes to place retirement prosperity in proper perspective: Added are some retirement quotes as well:

Ernie Zelinski

How to Retire Happy, Wild, and Free

Social Security is a secure way to find great pleasure in being terribly deceived

See How to Retire Happy, Wild, and Free on Facebook

Health Tips and Health Quotes for Retirees

noreply@blogger.com (Dave Erhard) — Thu, 30 Dec 2010 10:26:00 +0000

Here are a few health tips for retirement presented through health quotes by the famous and not-so-famous:

health in retirement

The World Health Organization

The Joy of Not Working, one of the best retirement books that suits your needs

Great Fashion for Great Retirement Living

noreply@blogger.com (Dave Erhard) — Sun, 05 Dec 2010 06:20:00 +0000

For living smart in retirement, I believe that fashion should consist mainly of T-shirts and Blue Jeans.

I don't sell T-shirts but I have designed a few for myself and had them printed by Zazzle.com.

Some of these T-shirts are displayed along with some of my favorite retirement T-shirt sayings at:

Retirement T-shirts

Also, I have posted at least 100 quotes relating to clothing, dress, and fashion on

Sensational Quotes about Fashion

My two favorites are:

"Fashion is a form of ugliness so intolerable that we have to alter it every six months."
— Oscar Wilde

"I have often said that I wish I had invented blue jeans: the most spectacular, the most practical, the most relaxed and nonchalant. They have expression, modesty, sex appeal, simplicity — all I hope for in my clothes."
— Yves Saint Laurent

Of course, the natural companion of the blue jean is the T-shirt — the only two items you need to make a fashion statement in retirement.

What's more, style will last for decades whereas today's fashion is designed to be unfashionable tomorrow.

This means that fashion and money are companions only if you are the fashion designer and not when you are the one purchasing fashion.

Here are a few more quotes to place fashion and money and retirement in perspective:

Oh, never mind the fashion. When one has a style of one's own, it is always twenty times better.
— Margaret Oliphant

Fashion is made to become unfashionable.
— Coco Chanel

The New Retirement Ain't Going to Be as Good as The Old Retirement

noreply@blogger.com (Dave Erhard) — Sat, 13 Nov 2010 03:02:00 +0000

Living smart in retirement may not be as easy as it appears to some, given the plight of many Americans' retirement plans.

In fact, the new retirement ain't going to be as good as the old retirement.

Saving money tips may not be enough to get people to save for retirement given that a lot of Americans are just struggling just to get by.

In November 2010 AARP released a survey about New Yorkers’ perceptions of Social Security and what role Social Security should play in future retirement planning. (As Ernie Zelinski wrote, Social Security is a secure way to find great pleasure in being terribly deceived.)

Forty-one percent of New York residents as compared to 39 percent of Americans nationally, stated that the protection of Social Security as a source of retirement income was the most pressing issue facing the U.S. except the creation of jobs.

Other national issues were addressed including taxes, deficit reduction, health care, immigration and energy.

The retirement survey also found that:

19 percent of New Yorkers say they are very confident they will have enough retirement income to live comfortably.
Eighty nine percent of New Yorkers believe that Social Security is highly important to their retirement income.
Most seniors in New York rely on Social Security and would struggle without it.
Sixty-three percent of New Yorkers would either not be able to afford basics or would have to make significant sacrifices.
Fifty nine percent (59%) of New Yorkers agree that the average Social Security check of about $1200/month is too low.

At the same time, another retirement study conducted by Protect Seniors.Org found that the vast majority of American retirees predict that their children and grandchildren won't be unable to participate in the "American Dream" and afford retirement.

Almost three quarters of poll participants said that they expect their children and grandchildren to have worse career and lifestyle opportunities than they enjoyed.

Over 65 percent of the American respondents replied no when asked if they thought their children will be able to afford to retire.

Over 70 percent of the Americans surveyed said that they doubt that their grandchildren will be able to afford a comfortable retirement.

"This is a real tragedy," said Dr. Mackell, former Chairman of the Richmond Federal Reserve Bank, who was involved in the study. "In the past it was a given that children would enjoy better career and lifestyle opportunities than their parents. That chapter in American life appears to be ending."

In short, you may want to recalculate your retirement number if you want to retire comfortably.

Most American workers are worried that their retirement savings won’t last the rest of their life. Only 40 percent of current workers say they will have enough money to finance a 25-year of retirement, according to a 2010 Towers Watson survey of 3,099 full time employees in the private sector. Just 62 percent of the survey respondents think their retirement savings will last even 15 years.

Take the Retirement Survey at Retirment Wisdom That You Won't Receive from Your Financial Advisor Blog.

Short of Retirement Savings — Don't Blame the Government or Me!

noreply@blogger.com (Dave Erhard) — Fri, 29 Oct 2010 08:06:00 +0000

Here is a summary of a recent AARP (formerely American Association of Retired People) survey:

Retirement income for many low-income recently retired baby boomers or the soon-to-be retired is likely not enough and makes their retirement dreams scary.

Sixty percent of the newly retired with low retirement incomes are not confident they can pay for basic needs such as food, shelther, and water when they retire, particularly while Obama ignores reality on Social Security.

The 2010 survey by AARP paints a dejecting picture of baby boomers who are struggling financially to make the transition to full-time retirement and make their retirement incomes meet their basic needs. No need for a simple retirement calcultor.

The survey polled American baby boomers across all socio-economic backgrounds who are 45 years or older.

American adults who made less than $25,000 per annum are especially unprepared for retirement and should have a better retirement plan.

On the other hand, only a bit more than a third (36 percent, in fact) of adults who made more than $25,000 a year said they were not confident they could pay for basic needs such as water, food, and shelter and may have to resort to retirees credit card debt.

Across all income groups, 28 percent of older American baby boomers were forced to stop contributing to their retirement savings plans in the past six months,

At the same time, almost one in six American baby boomers had to prematurely withdraw from their retirement savings.

Sadly, many baby boomers admitted they had little or no retirement savings.

Interestingly, 48 percent (almost half) of all adults surveyed said they had less than $50,000 in retirement savings.

Worse yet, 16 percent of these baby boomers said they had no retirement savings at all.

More than a quarter of the baby boomers surveyed said they had to delay or put off health care and dental treatments in the past six months. More than a third (34+ percent) of the older adults said they had trouble paying for gas or transportation.

Truth be known, if most Americans and Canadians weren't so spoiled and so irresponsibile with their money, they wouldn't have financial problems in their retirement years.

Put another way, if you are a baby boomer, it's all your fault if you cannot retire at 55 or 60 because you have not attained your retirement number.

Don't blame the government or the economy or anyone or anything else.

Particularly don't resent people lived frugally and who have saved enough for their retirement years.

Here are some gambling quotes to put things in proper perspective so that you don't think that the casino is the answer to your retirement income woes:

How to Retire Happy, Wild, and Free

Ernie Zelinski

Quotes about Growing Old Without Growing Old

noreply@blogger.com (Dave Erhard) — Wed, 22 Sep 2010 06:13:00 +0000

Here are some quotations about age and aging that come from the website Sensational Quotes for Smart People:

#1 of Top-Ten

Quotes about Age

and Aging

Retirement

#2 of Top-Ten Quotes about Age and Aging

#3 of Top-Ten Quotations about Age and Aging

#4 of Top-Ten Quotes about Age and Aging

#5 of Top-Ten Quotations about Age and Aging

How to Retire Happy, Wild, and Free

#6 of Top-Ten Quotes about Age and Aging

#7 of Top-Ten Quotes about Age and Aging

#8 of Top-Ten Quotations about Age and Aging

#9 of Top-Ten Quotations about Age and Aging

#10 of Top-Ten Quotes about Age and Aging

More Quotations about Age, Aging, and Getting Older

Favorite Quotes about Dating

noreply@blogger.com (Dave Erhard) — Mon, 20 Sep 2010 04:16:00 +0000

These are my favorite dating quotes that come from the Sensational Quotes for Smart People Website:

#1 of Top-10 Dating Quotes

#2 of Top-10 Dating Quotes

#3 of Top-10 Dating Quotes

#4 of Top-10 Dating Quotes

#5 of Top-10 Dating Quotes

#6 of Top-10 Dating Quotes

#7 of Top-10 Dating Quotes

#8 of Top-10 Dating Quotes

#9 of Top-10 Dating Quotes

#10 of Top-10 Dating Quotes

More Quotations about Dating (To be used as serious dating tips for otherwise)

Also see The Singles Cafe

For Retirement Quotes See:

Funny Retirement Quotes

Retirement Quotes and Retirement Sayings

Sensational Retirement Quotes for Smart People

noreply@blogger.com (Dave Erhard) — Mon, 23 Aug 2010 10:01:00 +0000

Here are some retirement quotes that come from Retirement Quotes for Smart People webpage on Sensational Quotes for Smart People Website to put retirement in proper perspective:

retirment

For more retirement quotes and retirement sayings, see Retirement Quotes at the Retirement Quotes Cafe

Retirement Planning Idiocy at Its Best

noreply@blogger.com (Dave Erhard) — Wed, 18 Aug 2010 00:17:00 +0000

A poll in late 2007 showed that 80 percent of Americans believed their standard of living would go up after they stopped working, even if they decided to retire early.

So many Americans believed in this illusion despite the fact that some 40 percent of Americans had saved absolutely nothing for retirement.

Talk about a stupid retirement plan.

Contrast this to 2008, when the recession and market downturn hit. Then 63 percent of Americans said they had given up on the idea of retirement altogether.

While that finding was interesting, in April 2010 the Employee Benefits Research Institute's (EBRI) Retirement Confidence Survey last found that this percentage had jumped to 70 percent.

Interesting. It appears that more Americans are starting to face reality and realize that it takes at least a bit of money to be retired.

On another note, this was an unusual letter titled Retirees owe it to their kids to ease U.S. debt to the editor of the Washington Post regarding the Social Security System in the U.S.:

Why shouldn't retirees expect some reduction in Social Security and Medicare benefits, and soon? Before we retired, or will retire, we lived beyond our means by voting for those congressmen who would keep taxes low and borrow from the trust funds to pay government bills. Woe to the politician who would ask us to fully pay the taxes necessary for the services we expected from government.

This large accumulated debt to the funds is coming due. So we have an obligation to help pay it off by accepting less from them or paying higher taxes on our retirement income. As retirees, we have no right to just pass our debt off on our kids. We certainly helped create it and should help pay it off.

For an interesting on article on Social Security by Ernie Zelinski see:

Social Security Is a Secure Way

Here are some Sensational Quotes about retirement:

The Lazy Person's Guide to Success

Saving Only 10 Percent of Your Income Is for Losers

noreply@blogger.com (Dave Erhard) — Thu, 05 Aug 2010 22:15:00 +0000

Here is an excerpt from a retirement planning article about how hard retirees are finding to make it in this day and age:

Financial advisors advocate that you use a simple retirement calculator to determine how much retirement income you will need before you submit your retirement letter. The exercise in determining how much money you will need for retirement will not result in perfect information, however.

Even if people could come up with perfect information, most people won't make use of this information because they aren't about to increase their savings much, if at all.

There are two problems conditions that most North Americans suffer from:

1. A need is any luxury that their neighbor happens to have.

2. Instant gratification takes too long.

Ernie Zelinski has just started writing a book called How NOT to Retire BROKE in which he is going to make the point that saving 10 percent of your income is for losers and people should save at least 40 percent of their income so that they end up with an adequate retirement income.

I was delighted to hear that someone is doing even better with their saving rate than Zelinski proposes.

On January 17, 2010, in reply to a blog post "5 Reasons Why You Will Retire Broke and Unhappy," an individual who writes his or her own blog post called Retirement Investing today stated:

"I personally am taking my retirement savings seriously and have by living very frugally been able to increase my savings to 60 percent of my gross earnings. I’m targeting a very early retirement. Achieving this high rate has been partly achieved by watching my Lifestyle Creep as you identify in Point 5. As I achieve pay increases I have actively decided not to change my standard of living." In short, knowing how much money people need to retire comfortably will do them absolutely no good if they can't handle money.

It was J.P. Getty who said, "People who don't respect money don't have any."

Check out David Letterman's Retirement Plan of David Letterman

Here are a few new retirement sayings

Working, Traveling, and Being Broke in Retirement

noreply@blogger.com (Dave Erhard) — Wed, 21 Jul 2010 00:10:00 +0000

WORKING IN RETIREMENT

According to a recent study by the Pew Research Center, 77 percent of today's American employees include working for pay in their retirement planning as one of their retirement wishes.

Most of those surveyed say they will have a retirement job because they want to, and not because they will have to.

Pew, however, finds those statements out of step with the experiences of people who are actually retired.

Just 12 percent of the retirees Pew surveyed say they are currently working either full or part time for pay at any type of retirement job.

TRAVELING IN RETIRMENT

92 percent Baby Boomers plan to travel around Australia after they retire, but half of those surveyed don’t feel confident in having the money to do it when they retire.

New research released by ANZ reveals that 92 percent of ‘Baby Boomers’ want to travel around Australia on retirement, with 83 percent planning to engage more in hobbies sports.

However, ANZ’s “New Retirement” survey found almost half of Australians aged between 45 and 64 do not feel confident they have adequate funds to do what they want in retirement (49 percent). With only 24 percent extremely or very confident about their finances.

RETIREES AND BABY BOOMERS FEAR BEING BROKE IN RETIRENT MORE THAN DEATH!

A report has found only one in four Australian baby boomers are confident they have saved enough money for their retirement.

The ANZ survey shows nearly 50 per cent of people aged between 45 and 64
do not think they have enough saved to maintain the kind of lifestyle they want in retirement.

In contrast, only one-quarter of people in that age group are confident they have enough money to retire comfortably.

At the same time, according to a survey by Allianz Life, 61 percent of the 3,200 American baby boomers and retirees surveyed (ages 44 to 75) said they feared outliving their retirement income and retirement savings more than they dreaded dying.

Perhaps this is the new retirement where people will have to continue working at retirement jobs such as writing and self-publishing books such as

Even so, it is best to retire rich but to die broke.

NEW RETIREMENT RESOURCES

Here are a few new retirement resources:

Include Your Spouse in Your Retirement Plan

Retirement T-Shirts to Show That You Are Happily Retired

Retirement Speeches

Reasons Why You Will Love Retirement

noreply@blogger.com (Dave Erhard) — Wed, 05 May 2010 06:33:00 +0000

Here are some entries from 365 Reasons Why You Will Love Retirement

Here are some retirement quotes for retirees that will help them retire happy, wild, and free:

Retirement Quotes to Help You Retire Happy

noreply@blogger.com (Dave Erhard) — Sat, 17 Apr 2010 00:47:00 +0000

Researchers at the University of Greenwich suggest best friends not family are the key to a happy retirement.

This is because so many grandparents have the freedom of their twilight days interrupted by childcare, they say, and are not able to do fun things in retirement.

Those with children or grandchildren were no more happy than those without, the study of 279 retirees presented to the British Psychological Society said.

But those with strong social networks interviewed for the study were 30 percent more satisfied with their lives than those without, according to the researchers>

Here are a few of the latest retirement quotes and retirement sayings that I have accumulated to help you retire happy:

How to Retire Happy, Wild and Free

How to Retire Happy, Wild and Free

For more retirement quotes and retirement sayings see:

Funny Retirement Quotes on The Joy of Being Retired Website

Retirement Cake Sayings

Retirement Plans of Many Baby Boomers Are at Least $250,000 Short

noreply@blogger.com (Dave Erhard) — Mon, 05 Apr 2010 03:29:00 +0000

If you are worried about retirement you are not alone. A recent survey out shows that Americans are increasingly ill-prepared for retirement. Workers are delaying their planned career end dates to instead focus on building a nest egg of some type.

Even using Simple Retirement Calculators will show that most people need a retirement job to create more retirement income.

According to CNNMoney.com:

“The percentage of workers who said they have less than $10,000 in savings grew to 43% in 2010, from 39% in 2009, according to the Employee Benefit Research Institute’s annual Retirement Confidence Survey.

That excludes the value of primary houses and defined-benefit pension plans."

Workers who said they had less than $1,000 jumped to 27%, from 20% in 2009."

The survey found that 54 percent of American workers with some form of retirement savings have less than $25,000 stowed away and need to spend more time retirement
planning.

Low Balances In Retirement Funds

Only about half the U.S. workforce is covered by some type of employer-sponsored retirement plan. And most of those are 401(k) plans, which usually require employees to contribute and make investment decisions.

Even before the financial crisis, the average balance in 401(k)s for workers nearing retirement was just $78,000. After the market plunged, that average was reduced to about $56,000. That's just not enough for a comfortable retirement, says Roger W. Ferguson Jr., president and chief executive officer of TIAA-CREF, the financial services company that offers retirement plans for employees in the academic, medical and nonprofit fields.

"Many families, at this stage, are short $250,000 from what they're going to need," Ferguson says.

Check out Why My Retirement Plan Is Better than David Letterman's Retirement Plan.

The Retirement Job or Retirement Career That Can Make You a Fortune

noreply@blogger.com (Dave Erhard) — Sat, 20 Mar 2010 01:47:00 +0000

It's better to be out of money than out of new creative ideas on how to make money.
- Spiritual Rule of Money

If you are a baby boomer approaching retirement age, no doubt lately you have been thinking that you may have to change your retirement plan to one in which you work until you drop dead on the job.

This probably means that your retirement fantasy life and your retirement portfolio to support such a life are diametrically opposed.

How about creating your ideal retirement career?

Check out: RETIREMENT CARRERS at THE CAREER SUCCESS RESOURCE CENTER

Perhaps you are looking for a fun retirement job or a unreal retirement business because you didn't do sufficient retirement planning while you were working.

Check out: JOBS FOR RETIREMENT JOBS at THE RETIREMENT CAFE

Here is great information about how you can increase your retirement income.

RETIREMENT JOBS AND RETIREMENT CAREERS ON SQUIDOO

Have you ever thought about sharing your life’s story and strategies for success with the world?

Have you ever written down four or five how-to lessons about life or business and thought, “Man, people would pay for this hard-earned wisdom.”

If yes, then you’re a lot more like the “gurus” than you might have thought.

(And you might as well get paid like them, agreed?)

Legendary trainers like Tony Robbins, Jack Canfield, Deepak Chopra, John Gray, and Marianne Williamson all decided at some point to teach others.

Want to be the next guru in your field?

This valuable retirement job information is available at:

DREAM JOBS FOR RETIREMENT at UNREALJOB.COM

Check out: Sponsorship Resources,

Also Check Out Active Retirement Career Resources:

Free-Spirited View of Retirement

noreply@blogger.com (Dave Erhard) — Wed, 10 Mar 2010 02:27:00 +0000

Seven Million Canadians Set to Retire

A new report suggests the Canadian Government and Canadian businesses must start making appropriate adjustments to handle the demographic crunch facing Canada.

Indeed, seven million baby boomers are set to retire over the next two decades, according to a TD Bank Retirement Study.

Parliamentary Budget Officer Kevin Page said last month the Federal Government will face a structural deficit of about $20 billion in five years as Canadians transition from taxpaying workers to services-using retirees.

Americans Planning to Delay Retirement

A survey in March 2010 by the Employee Benefit Research Institute found that a growing number of American workers are planning to delay retirement. That has negative implications for the U.S. job market, where unemployment is high and layoffs continue to grow.
Almost one in four workers (24 percent) postponed plans to retire in the last year.

Here is a review of How to Retire Happy, Wild, and Free Review at Retirement Recommendations by RetirementWorks2.com that may inspire you to read it so that you retire early, choose the Best Places to Retire Happy and totally enjoy your Retirement:

fun

Check Out:

Lotteries: The Retirement Plan for Stupid People

Midlife Happiness

Retirement Quotes at Goodreads.com

The image below is a scan of an article in a December 1983 article in the Edmonton Journal about Brian Tracy when he was just getting on a roll. No doubt Brian does not have to worry about the financial aspects of retirement as many Canadians and Americans hav to

Saving for Retirement: How Much Do I Need to Retire?

noreply@blogger.com (Dave Erhard) — Tue, 02 Mar 2010 11:01:00 +0000

In Canada Between the CPP and OAS the government will pay out a maximum of $17,400 a year to the average 65-year-old.

Some people will say, "That is only $1,450 a month to cover basic expenses including rent or mortgage (if you have one during retirement), condo fees, taxes, insurance, food, clothing, transportation, entertainment, and long-term care expenses if necessary.

But my friend George in Edmonton is 66 and collects this amount. He has no other income and still saves $450 to $500 a month.

If this is not enough retirement income for you to live on, then it's your responsibility to create more.

Do not rely on The Retirement Plan for Stupid People

One of the best retirement gifts that you can give yourself is an adequate income in retirement so that you can have fun in retirement and enjoy a lot of leisure like the Greeks enjoy.

Retirement Principles

These are some of the most important principles for having a happy retirement:

active retirement

Check out these resources:

Active retirement - happy, wild and free

1oo1 Ways to Enjoy Your Retirement

How to Retire Happier and Richer

noreply@blogger.com (Dave Erhard) — Sat, 27 Feb 2010 10:38:00 +0000

A recent Wells Fargo survey about the retirement preparedness of Americans age 50 to 59 showed that they are not that well-prepared.

Of this group , a third (67 percent) said their expectations for retirement had changed from those held a year ago, and over half (56 percent) expected to work longer by an average of three more years.

These baby boomers said that they require $800,000 in retirement savings, but have saved only $300,000 (median amounts).

This group also had not assessed how long their savings would last in retirement.

They expected to live nearly 21 years in retirement, but planned on spending nearly 10 percent of their savings every year in retirement.

The retirement industry recommendation is to withdraw no more than 4 percent annually.

Here is some retirement advice to help you retire richer:

money is joy

The Lazy Person's Guide to Success

And here are some retirement planning resources to help you retire happier and richer:

Retirement Income for Unconventional Retirees

How Not to Retire Rich - It's Easy

How to Make Friends in Retirement

Best Retirement Jobs

Retirement News for Today

noreply@blogger.com (Dave Erhard) — Thu, 18 Feb 2010 06:10:00 +0000

Here are some interesting facts relating to retirement planning:

Here are some new retirement resources by Ernie Zelinski:

Best Retirement Jobs

Best Places to Retire Happy

Simple Retirement Calculators

Retirment Planning for Retirees and the Soon-to-Be Retired Who Do Not Know How to Spell Retirement

Also see:

Be Love Now

Duplicate Content on Websites

Top -10 Reasons to Never Have a Job

noreply@blogger.com (Dave Erhard) — Sun, 14 Feb 2010 04:48:00 +0000

Here are the ten topics that Steve Pavlina uses in Top-10 Reasons to Never Have a Job

1. Income for dummies
2. Limited experience
3. Lifelong domestication
4. Too many mouths to feed
5. Way too risky
6. Having an evil bovine master
7. Begging for money
8. An inbred social life
9. Loss of freedom
10. Becoming a coward

Also see 10 Reasons to Never Work at a Real Job:

Then see How to Get Sponsorships Even If You Don't Have a Job.

Quotes about Work and Real Jobs:

The Lazy Person's Guide to Success

Quotes about Work and Retirement

noreply@blogger.com (Dave Erhard) — Mon, 25 Jan 2010 08:13:00 +0000

As a matter of course, the most important elements of a successful retirement are good physical and mental health, spiritual fulfillment, great relationships with family and friends, and many interesting things to do. Committing yourself to being a lifelong learner will go a long way towards having many interesting things to do.

What's more, when you commit yourself to being a lifelong learner, your life will never be without purpose. Having an important purpose, to be sure, can be a savior in retirement and make you forget about work.

Here are a few quotes about work and retirement:

Check out these other work and retirement resources

Ideas for Retirement Parties

Funny Retirement Poems

Retirement Gifts on The Retirement Cafe

Retirement Cake Sayings and Party Ideas

Best Places to Retire Happy on The How to Retire Website

Basic Retirement Advice - Dont' Give Your Retirement Money to Crooks

noreply@blogger.com (Dave Erhard) — Wed, 20 Jan 2010 00:51:00 +0000

Dont' Give Your Retirement Money to Crooks is basic retirement advice, but here is a story on how some crooks may succeed with many retirees.

Crooks After Your Retirement Money!

Also, if you live in Canada, you may want to read this article:

Canadian Fed Pensions a Time Bomb

Here are some new Retirement Planning Resources:

Funny Retirement Poems

Funny Retirement Quotes

Retirement Calculators

Retirement Humor

Less Money Going into Retirement Plans

noreply@blogger.com (Dave Erhard) — Mon, 18 Jan 2010 23:44:00 +0000

Fewer Canadians are putting money into retirement plans, according to the Royal Bank's annual RRSP poll.

The RB annual RRSP polls says 32 per cent of Canadians have not started saving for retirement yet, compared to 24 per cent in 2008. The study also found only 36 per cent say they are planning or have planned for retirement, down from 42 per cent in 2008.

The decline is sharpest among those aged 55 and over, with 53 per cent doing any retirement planning compared to 67 per cent last year.RBC also says just 35 per cent of Canadians have contributed to or plan to contribute to an RRSP for the 2009 tax year - the lowest percentage of contributors since 1996.

Here are some retirement resources to put retirement planning in perspective:

Ernie Zelinski's Retirement Plan Is Better Than Your Retirement Plan

Retirement Humor to Help You Retire Happy, Wild, and Free

How to Live Broke and Retire Broke!

Health in Retirement

Fun Things to Do in Retirement