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As the baby boomers approach retirement, many are searching for ideas that will assist them in preparing for the rest of their lives. Should they wait until retirement is upon them, or should they begin preparing today? Remembering that you may live well into your 80's and 90's, you want to be prepared to follow a course that you yourself chart. It seems the only sensible thing to do. If you are a working adult, there are aspects of your retirement that you should be planning for now. How will you be able to pay for your needs and wants during the final 1/3 of your life? It would also be prudent to nurture a healthy body and mind. Being knowledgeable about healthy eating habits and practicing them is certainly a good place to start. Are you making exercise and fitness a lifelong priority? The earlier that you begin to eat well and exercise, the greater will be the expectation of a longer and more fulfilling retirement. Your pre-retirement years are usually goal-oriented. Your career requires you to meet goals that are set for you or by you. You also take on a variety of challenges. It is by meeting or excelling in your goals and challenges that you are motivated to move forward. You flourish when you feel a sense of achievement. In retirement, you will also have the need for personal goals and challenges. Having the freedom to choose them, along with the element of flexibility to achieve them, will be especially rewarding. Your transition into retirement will impact you socially and emotionally as well. You will have many choices to make. Some of those choices will be for a time when you are active and healthy. Others will ensure that your final days are dealt with in a manner of your choosing.
Don't let a lack of understanding get in the way of planning a secure financial future for yourself or your loved ones. In this invaluable primer on personal finance and retirement planning, money expert Leonard P. Cole provides the information and know-how you need to wade through the piles of conflicting information surrounding consumers today. Cole encourages people to take a long, hard look at the difference between the things they want and the things they actually need in life-and then to incorporate that distinction into their retirement planning. Drawing from years of experience working with families on their income taxes, Cole understands what people need to know in order to make sound financial decisions for themselves. Using easy-to-understand terminology and writing in a lighthearted tone, he makes even the complicated and daunting world of personal finance and retirement comprehensible. Don't waste another day spinning your wheels. Educate and equip yourself to make wise financial decisions today so you can sit back and watch the future unfold with peace of mind-the kind that only comes from knowing that you have a plan and are sticking to it.
In many countries, social security and related government programs provide strong incentives for workers to leave the labor force at a young age. Research has shown that disability insurance programs can play a large role in the departure of older persons from the labor force, as many workers pass through disability insurance on their path from employment to retirement. But what is the real effect that disability insurance programs have on labor-force participation in different countries? InSocial Security Programs and Retirement Around the World, renowned economist David A. Wise authoritatively tackles this question. Fifth in the series, this volume's research encompasses the globe, traveling from Belgium to Canada to Japan and the United States, and covers the provisions of disability insurance programs as well as other pathways to retirement in over twelve countries. Presented in an easily comparable way, the findings inSocial Security Programs and Retirement Around the World have profound implications for how the provisions of a country's disability insurance program affect retirement.
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