Preparing for and living in Retirement - articles and information

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Income Drawdown - GAD or BAD
Income Withdrawal was first introduced in 1995 as part of the Finance Act. It was originally designed to allow personal pension holders to defer the purchase of an annuity until the age of 75 allowing them to still take withdrawals directly from their pension pot. In 1999 individuals with money purchase Occupational Schemes also where able to take advantage of income withdrawal.

Retirement Income: Dilemma or Opportunity!
Almost everyone will be planning to end their working life with sufficient income to enjoy a long and happy retirement. The statistics tell us that many people are facing the dilemma of reaching the retirement age without having saved sufficient capital to produce an adequate retirement income. How do people overcome this challenge? Do people have to delay retirement or are there real alternatives?

Quiet Time for Retirement Planning
A huge majority of people live in a very busy, loud, and sometime chaotic world outside of our homes and unfortunately sometimes inside them as well. This makes it impossible to sit down, think, contemplate, and write about your ideal life in retirement. Fortunately, if you are creative, you can find contemplation time to formulate the next phase of your life.

Retire Debt Free - Just Six Steps Away
Retirement is a dream that most of us share. However, the dream could turn to a nightmare if we are not careful and work toward eliminating debt that can be like an anchor that drags us down. We all want to retire debt free, but not many of us will achieve that goal without some real down to earth help and advice.

Avoid the Perfectionism Trap
Perfectionism can be a trap that holds you back from life and from retirement. Find out more about what you can do to overcome the feeling that everything must be perfect before you move forward.

Happy in Retirement?
You used to dream of the day that you would retire; you imagine how wonderful it would be to be free from the alarm clock, commute, and stress of working at the same job every day. The day of freedom - retirement - finally came and now you have achieve nirvana, right?

The Cost of Retirement Homes in Canada
Each of us is unique and as seniors we will require varying levels of care. Many seniors will live independent active lifestyles and if they choose to relocate to a retirement community, an independent living community will suit their needs. Other seniors will choose the Assisted Living scenario that provides a level of care customized to the needs of the individual. And others will require a higher level of care with round the clock staff availability. The level of care that each senior requires influences the type of retirement home and the costs associated with it.

Three Options in Retirement Living
Before making a commitment to a style of living, consider all the options. If you will be relocating, know a little about the city where you will be living and become acquainted with the communities within the city. These are three options in styles of living accommodation for Canadian seniors and I've included a summary or overview of each one.

Consider Long-Term Care Insurance
The purpose of LTC is to pay for care for you or a loved one usually in a nursing home or assisted living setting (when full-time care is needed during illness or accident). It can truly protect what you have worked a lifetime to build by paying for expensive care in a nursing home, assisted living facility, or even for at-home care (which is always the least expensive option). Most folks think that government programs such as Medicare or Medicaid will take care of long-term care needs but unfortunately, that is usually not the case.

The Power of Thought
When you try to make a change does your mind race with negative possibilities? If so, you are preventing yourself from achieving your potential.

Networking in Retirement
Social networking is not just about posting information on venues such as Facebook or LinkedIn. Have you considered what you are going to do when you lose your social network when you retire?

Basic Maintenance and Tune-Ups
I bet that you are good about maintaining everything around you. Undoubtedly, your car is in great shape (tires rotated, oil changed). The air conditioner and heating unit get check-ups every year to make sure that they are running properly. Even your pet gets his or her gets at least a once-a-year visit to the veterinarian. This is all well and good but what are you doing to maintain yourself and your health?

The Best Way to Make Retirement a Positive Experience
Retirement can seem a daunting proposition to the young, and even as we get older we may feel a little apprehensive about the time that lies ahead. But many people are enjoying the time of their lives in their later years. Let's look at ways to make retirement a positive experience.

Florida Golf Community
For those of you looking for an opportunity to live in Central Florida, why not consider a golf community. Whether you are an avid golfer or one who just enjoys the beautiful scenery of a golf course, a golf community is a perfect solution. There are numerous advantages for people looking for a Florida golf community. Owning a home on a golf course is an investment like no other.

Retirement Living: Assisted Vs Independent
Comparing independent living to assisted living. Which is right for you based on what they each offer to their residents?


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