After Retirement Separation – Life Just Get’s Better

Life after retirement separation can be a very lonely one especially if you have no family of your own. You tend not to go out as often as you did when you were a couple. You may also have a complex that being older is harder and more difficult to meet new people. This may be so for many people but do not forget that are hundreds of people out there that are in the same situation as yourself. They too are lonely and without a partner after retirement separation.

You must think positive after retirement separation and not let standards drop or you may get into a rut and become depressed. Your appearance is very important and will show to others that you still care about yourself. Your hair, make up, clothes and accessories all say a lot about you as a person. They reflect your personality as well as your presentation.

You may wish to join a club to try and meet new people. There are many clubs and social events you could attend after retirement separation. Firstly there are specialised clubs like ballroom dancing for example whereby you do not have to have a partner as you can meet one there. Then there are hobby clubs like petanque and bowls again no partner is necessary as you will make new friends there. There are also travel clubs most of which give you the option of either taking a friend with you or go it alone and meet new friends. After retirement separation may not be so lonely after all as you could get together with a new friend or even organise an event with a group of your new found friends.

Holidays are another avenue to explore as you will be more likely to meet someone who enjoys the same sort of things that you do. It is by making choices for yourself that you will feel more positive about yourself.

You may also consider taking on a pet as they can be great company for you. A cat is an easy option as they will come and go as they please and do not need walking regularly like a dog does. But if you enjoy walking and could give a dog your time and space then this can be very rewarding because you will meet people out walking and have a new circle of friends with which to share your doggie stories with.

Perhaps you would like to do voluntary work for charity shops, clubs and events. There are also the neighbours, there nay be a neighbour in your street or on your estate that is also looking for that after retirement separation new life. The list of things to do and places to visit to meet new friends is endless.

You may also of been thinking of extending a hobby of yours over the years and now that you have more free time on your hands to do as you wish, this may be the right time to perhaps start your own business in whatever field you choose. Again, by exhibiting your chosen hobby after retirement separation you will be able to make new friends easily as they will come to you because that is also their interest. Your business may bloom and who knows you may even want to take on an extra pair of hands to use as well as to hold. After retirement separation can be rewarding in many ways as now you have more free time to share and enjoy with others. Friendship after retirement separation can be fun, so make the most of what you have and enjoy life to the full.

Article by Jenny Clair

Group Activities for the Elderly

Group activities for the elderly give social interaction with an outside world. The below listed tips will give you an idea to find and have the best group aged activities.

A number of community centers have offered some group activities for the elderly. While a few of these elderly activities are charging a little fee, many are offering fun activities for free. These community centers usually post their activities schedule at the center lobbies of senior citizen and in some local newspapers. Included in the activities offered are the following:

Crafts and arts : Many volunteered craftsmen and local artists are sharing their talents and spend time in teaching crafts to the aged. Fees usually include payment for the supplies. A few of the centers exhibit the done projects in art fairs.

Exercise classes : Some of the physical fitness options that have been offered to the elderly include water exercises, chair exercises, stretching classes, tai chi and yoga. These are such wonderful activities for the aged.

Field trips : These community centers usually organized weekend and day trips to sporting events, festivals, theater productions, shopping malls and outlet malls.

The senior centers also provide various senior services and that includes organized group activities for the elderly. These activities are listed as follows:

Dances : These senior centers concentrate on maintaining their aged citizen members active through giving them fun and exciting dances. Many senior citizens enjoyed moving on the square dance floor while following the big bands beat.

Games : These centers usually offered game nights to the elders with set up tables for the bridge, bingo and some card games.

Auctions : Many elders enjoy participating and attending in auctions. Included in these auctions are the products donated by the local trades, handmade items donated by some senior citizens and other pieces.

Bus trips : Transportation is sometimes limited for some elders, that is why many senior centers are running shuttle buses going to scheduled community activities, community centers and shopping centers.

If you are not satisfied with few of those mentioned group activities for the elderly and still looking for more, then concentrate on your hobbies and interests. You can probably do gardening, join travel clubs and RV, and participate in any fishing and sewing organizations. If you are a pet lover, the association of American Pet and Animal Humane Society provide an opportunity for the animal lovers to express their concern and affection for animals through volunteering in the local shelters.

Candis Reade is an accomplished niche website developer and author.

Pets for Seniors Enhance the Quality of Life

Recent studies indicate that seniors who own pets, live longer, experience better health and enjoy life much more than the senior who has no pet companionship. Results have shown that pet owners often experience a decrease in temperature, stress level, and even blood pressure! In addition to this luxury of companionship, pets can provide joy, entertainment, love and security and even calm the pet owner. Pets love you for being you — not for the psychological games you play — not “only” for the treats you shell out frequently — they are forgiving, loyal and love you unconditionally.

Learn the 6 ways pet ownership can enhance a senior’s quality of life:

#1. Companionship:

An increasing number of hospitals, clinics and nursing homes are now using pet therapy on their senior patients and the results are very encouraging. These patients are finding that having a four legged friend can be comforting, joyful and provide a feeling of security. Studies have proven that having a pet, improves the overall well-being of seniors, for many reasons. Often, seniors are unable to interact socially, perhaps through remoteness or immobility. Sometimes all recreational activity is limited for that senior. A pet can supply both of these things. Animal companionship lessens loneliness, the feeling of isolation and boredom and has even been known to eliminate depression in some patients.

#2. Increases Self-Worth:

Just the need to love and clean and provide for a pet, can certainly increase the self worth of that senior. A pet owner may certainly revel in the attention and affection this pet will offer. Think of the satisfaction derived from seeing this pet thrive and become your best friend — there is nothing like it.

#3. Loyalty and unconditional love received:

This feeling shared with your special pet is second to none. Regardless of the weather, lack of special friends, immobility, poor health — your pet will be by your side assuring you, you are the greatest ! Your pet may even become your most faithful travel companion (depending on your choice of pet, the mode of travel and personalities of both you and your pet)

#4. Improved quality of life:

By exercising your pet in the fresh air, your appetite should increase due to the increased activity, your interest in the outside world increases , you should experience great happiness and you focus less on your physical and emotional aches and pains. You gain a sense of purpose and a compelling reason to take good care of yourself so you can care for your “best friend”. This responsibility for providing protection and care for your pet should be a wonderful diversion for the pet owner.

#5. Stress Reduction:

What could be more tranquil than watching an aquarium full of tropical fish — even, a simple act of petting a dog has been shown to significantly lower a person’s blood pressure. Therapy pets as companions, for AIDS patients, cancer patients, those afflicted with mental illness and seniors, are much more commonly used today. This Pet Therapy concept is experiencing wonderful success in helping many patients experience greatly improved

emotional and physical health.

#6. Self Reliance Increase:

Often the fear of being victimized or abused is greatly decreased when the pet owner is in the company of their pet. This self reliance is especially evident when sharing a residence with a dog. Researchers speculate that the “care-taking role” involved in pet ownership “often provides older people with a sense of purpose and responsibility and encourage them to be less apathetic and more active in day-to-day activities.” (From the Journal of the American Geriatrics Society, March 1999) Pets, like people display their own unique personalities — IF you or a senior you know are looking for that special friend — Assess the potential pet owner’s unique personality!

Some unique personalities:

• A Couch potato:

Possible choices may be, a tranquil indoor cat — a parakeet, finch or lovebird, or a turtle. A pet that may happily entertain themselves with a mirror, a bell, a ball of wool or a scratching post. Remember with all these pets, they must be fed and watered regularly, ALSO, make certain they have clean bed, kitty litter or cage (whatever the pet may need).

• A High-Energy City Dweller:

Possible choices may be, a bird, an aquarium with exotic fish, a ferret OR possibly a gecko!

• A Country Boy (or girl): A larger dog (lab or retriever) are some good choices for walks, hikes, swimming, fishing , or enjoying rides in the country.

• The traveller:

Always on the go — Perhaps a pet with little care needed or a travel ready dog such as; a poodle, Chihuahua or Yorkshire terrier are excellent travel companions and are usually airline friendly. Fish, birds would also make a good companion for those breaks in between trips.

If considering a pet for the elderly — keep in mind any restrictions or limitations the senior may have. Size and personality of a dog are important aspects to consider, if a senior wishes to have this type of pet. A small dog is often the pet of choice — but also consider the temperament of the dog.

Smaller dogs are usually easier to handle (unless an exceptionally active little one, i.e. a Jack Russell, however, very cute!) and tend to be less maintenance and easier to handle than larger ones. Usually a smaller dog are also beneficial for the elderly because they make great lap dogs — of course, you need to research the breed’s characteristics first.

Following are some choices of breed that the senior may enjoy:

– Pomeranian — cute, cuddly, perky — a lovely companion!
– Shih Tzu — friendly, gentle, alert and love companionship.
– Schnauzer — two sizes, miniature and standard — protective, wants to please — needs exercise and grooming.
– Boston Terrier — small size, very protective, laid back and friendly.
– Cocker Spaniel — Very patient and docile, little exercise, but regular grooming.
– Pug — Loves loving and to cuddle — but can be playful!
– Toy poodle — Absolutely loves attention — enjoys people presence immensely.

These are just a few breeds that seniors may appreciate — it may be wise to visit a humane society, pet shop and research online for just the companion the senior will love and enjoy. For each and everyone of us who has ever owned or ever cared for a companion animal, we should not underestimate their important role in emotional health. Pets offer unconditional love and attention, they make us laugh, help us relax and divert us from daily issues. The psychological benefits of pet ownership can be amazing!

How to Plan Your Retirement Abroad

A growing number of international citizens are contemplating the concept of taking early retirement, escaping the hectic monotony of the daily grind and retiring abroad in a low cost location to make the most of their retirement savings.

If you’d like to live overseas to escape the high costs of living associated with countries such as American and Britain for example, this is a guide to planning your retirement abroad so that you don’t run out of money, you don’t run out of friends and you never lose your adventurous spirit. When contemplating retirement the majority of us seem pre-programmed to only consider the far reaching financial implications of never bringing in an income again! But the fact of the matter is that there are many more things to consider if planning on retiring abroad, not to mention the fact that many retirees overseas pick up odd jobs and part time positions advising and assisting other expatriates with their lives and businesses anyway!

However, as the financial implications of retirement are uppermost in our minds let’s tackle that subject first.

By retiring overseas in a low cost country such as Mexico, North Cyprus or Belize for example, retirement money simply goes far further. Taxes on property and income are far lower in many overseas countries, property prices are amazingly affordable in plenty of emerging destinations, and the abundance and quality of fresh produce in many sun-blessed and affordable retreats means that day to day living costs are quite simply reduced.

There are considerations that those moving to less well developed but cheaper countries should bear in mind though – such as affording a decent level of health care cover  but in a country such as Northern Cyprus for example the cost of receiving quality medical treatment is so low that an insurance policy’s excess is usually higher than the amount having to be paid out anyway!

 

It’s important to research a preferred destination to discover the true cost of living there as well as the likely realities of daily life, and researching all options and alternatives is an absolute must for those planning an overseas retirement before making a firm commitment to retire abroad to any particular affordable haven.

 

Other than the financial implications there are a number of social considerations that those planning on retiring abroad should think long and hard about. By moving physically away from friends and family, homesickness and longing for familiarity can be intensified which can make it harder to settle in abroad. This feeling of displacement is entirely natural and will be experienced to a lesser or greater extent by all those who move abroad – but it is a feeling that can be overcome by making an effort to meet new friends and establish new bonds with people  which means that sociable types who find it easy to make friends and acquaintances will find it far easier to retire abroad.

Those with a tolerance for alternative cultures and values will also find it easier to settle in an unfamiliar country where things are quite simply ‘done differently’! Those who are resistant to change and who plan on living abroad in an expatriate community where they hope to be surrounded by familiarity will still have to encounter local people and accept local values, therefore such people should really think seriously about whether they can adapt to a totally new way of life. If they feel they cannot then they will be wasting precious resources moving abroad only to discover that they hate it and have to return home!

This brings me on to my final point  having a Plan B! Sometimes people retire abroad and for one reason or another they cannot settle and wish to move on or move ‘back home’, alternatively some unlucky people are forced to return home as a result of a change in circumstances. Therefore it is always important to have at least the rudimentary workings of an exit strategy or a plan B in mind. If possible squirrel away a little money so that if the worst comes to the worst you always have a way out or a way back home – even though statistics show that the majority of those who retire abroad in an affordable and sun kissed location love every minute of their life and never want to change it!

 

Choosing the Best Place to Retire

The idea of retirement has changed dramatically in recent years. People are reconsidering the places that they want to retire and what kinds of activities, events, and even work are available in those areas.

The most popular destinations in the U.S. have been Florida, California, and Arizona. These states offer the ideal weather, golf, shopping and outdoor activities many seek for their dream retirement.

These are great places to think about, but because of their popularity over the years, the cost of living in these sunny states may be too much for some people to afford. Many are even thinking about retiring outside of the U.S. to places like Mexico or Puerto Rico. In comparison to most places in the U.S., these destinations offer the same dream retirement at a fraction of the cost.

You don t have to leave the United States to have an amazing retirement. Many places on the map get overlooked but have become very popular destinations for seniors.

States in the southern U.S., like North Carolina, Virginia, and Georgia, have become popular destinations because of the cheaper cost of living, while still providing the leisure and culture retirees are looking for.

Here are a few tips to help you find the right place:

Ask yourself what can you afford. This is the biggest question on retirees’ minds. First you will want to make sure you pick a town within your budget, keeping housing costs in mind. Ask yourself what kind of home you want to live in. A condo, apartment or a house? Then look at the cost and availability of each type of home in the area that interests you to see if it will fit your needs.

Are you still going to work after you retire? These days, the average baby boomer retiree will continue to work to some extent, whether part-time or by starting up a small business. Make sure the town you are looking into has a diversified economy to support whatever endeavor you choose to take in your retirement.

What is the weather like, and how important is that to you? Most people have dreams of retiring in the sun and enjoying comfortable weather all year long. Don t forget that in some places that are known for sunshine, summers can be too hot to be comfortable, especially for seniors.

How important is it for you to be close to home? Most retirees will want to stay close to their children and grandchildren. If you are looking into a place that is farther away from home, make sure you re close to an airport, so you can easily jump on a plane to see your loved ones.

Retire in Mexico

It may be one of the last places you had in mind to retire, but more and more people in recent years have been living their retirement dreams in Mexico.

The top spots have always been California, Florida, and Arizona. But because of the popularity of these destinations, the cost of living has gone through the roof. Dreams of a nice home on the golf course have simply fallen through for many people.

Mexico, on the other hand, is very affordable, and it’s easy to find beautiful homes in beautiful places for very reasonable prices. There are some areas, such as Baja California, where many Americans have been retiring, and naturally the prices in those areas have gone up.

But there are many places with friendly locals and lots of things to do that are not yet over-saturated. You can even find places on the coast that are very affordable. Maybe your dream is to live on the beach, and it’s possible in Mexico!

Many retirees might be wary of heading down to Mexico because of concerns with legal issues and citizenship. In fact, the government of Mexico is very welcoming the U.S citizens– frankly because Americans bring a lot of money into the country.

Another concern might be the language barrier. There are many places in Mexico where others have retired or have second homes, and the Americans living there don’t attempt to speak Spanish. They only socialize with other ex-pats and retirees. They shop and go out to English-speaking, Americanized restaurants and resorts. Many make no attempt at learning the language or learning about the rich culture surrounding them.

This is not recommended if you are thinking of making the move to Mexico, as there are several issues you may face if you don’t learn the language. Any legal issues, from closing the deal on your new home to a traffic ticket, will be difficult to navigate if you don’t speak the language.

Besides, isn’t that what retirement is all about– learning new things and daring to see what else is out there? If you’re planning on or thinking about making the move to Mexico, be sure to take a history lesson and start learning Spanish!

What about the quality of health care in Mexico? Of course this is on most retirees’ minds, and with good reason.

The fact is that health care in Mexico is quite good, and many doctors have been trained in the U.S. and speak English. Although Medicare and Medicaid are not accepted in Mexico, many ex-pats choose to join the MSS, which is the Mexican social security plan. It covers medical, dental and vision for about $200 USD per year.

Though there may be a few obstacles, Mexico is a wonderful country that you will want to keep at the top of your list of potential places to retire.

Retirement Planning with Stocks and Mutual Funds

Retirement planning doesn’t have to be a daunting task. In addition to a pension, social security and a 401k, the happiest retirees secure investments long before they retire and reap the benefits for that Bahamas cruise later on.

Stocks and mutual funds aren’t just terms for Wall Street brokers anymore. They’re assets to anyone with a desire for more money. Why not benefit as the economy benefits and share in the wealth? That’s what “capitalism” is all about.

A stock is a share in the ownership of a company. For the company, a stock is a fundraising loan that they needn’t repay, but will typically yield greater income for both the company and its shareholders in the end. As an owner, you are entitled to your share of the company’s wealth.

You won’t be able to control how the company is run per say, but the good news is that you will have a claim to assets and limited liability (meaning that you’re not personally responsible if the company can’t repay its debts).

Stocks can be daunting since there’s always the risk that the company won’t be profitable and you’ll lose your investment. When retirement planning, the AARP recommends investing for the long haul in companies that are likely to succeed (instead of trying to “time” the market) and invest small in many different stocks to minimize risk and maximize returns.

A mutual fund is a lower-risk investment. Investors pool their money and allow professionals to select stocks for them. While stocks may generate a larger return, mutual funds are better for retirement planning because of their low risk and maintenance.

Mutual funds spread your investment dollars around and gives you the expertise of a money manager to ensure the success of at least some of your investments.

Mutual funds are constantly being bought and sold, so you can easily sell your shares for money. Many people choose the automatic investment option, which takes a certain amount of money out of each paycheck to invest. When the market’s down, more shares are bought to increase your ownership and when the market’s up, less shares are bought at the higher price
.
So how will you make money off your stocks and mutual funds? One way is through appreciation, meaning that the fund will be worth more than what you paid for it as the market changes and you’ll be able to resell, making a small profit.

Another way is through dividends, which works like interest that is distributed among shareholders annually or sometimes quarterly. A third way is through capital gain distributions, which is the portion of the shared company profit that you can receive annually or monthly.

Retirement planning investments shouldn’t be touched until retirement however, since this money will be included in your taxable income.

You may be wondering, “Where can I get started on investing in my retirement plan?” For information, check the US Securities and Exchange Commission website to find what questions to ask before you get started with your retirement planning investments.

The local library will also have many resources for eager investors. To jump right in, make an appointment with your local bank.

Article by Mike Selvon

Living Trusts

A living trust is a legal instrument which holds title to the personal assets of an individual person or family, including bank accounts, real estate, LLC and stock interests, etc. Like a will, a living trust contains your instructions for the distribution of all your assets after you die. A primary difference between a will and a trust is that a trust avoids probate, whereas a will does not. Probate of a will requires filing of a costly probate proceeding, newspaper publication notices, letters to all heirs even if disinherited and statutory waiting periods. Also, the records of the probate are public information.

Utilizing an attorney prepared living trust is a method of avoiding this expensive, intricate and confusing probate process. When a person’s assets are transferred to their living trust during their lifetime, probate is avoided entirely. After the person who established the living trust, who is called the Trustor, dies, the successor trustee(s), who are usually the adult children or relatives of the Trustor, distribute the trust assets to the designated named beneficiaries. Because the living trust eliminates probate and, often under many circumstances, can greatly reduce estate taxes, it is possible to pass on a much greater portion of your assets to your heirs.

It is a very common misconception that holding property in joint tenancy provides probate protections similar to a living trust, however this is not the case. Joint tenancy only avoids probate on the death of the first joint tenant, but the surviving joint tenant will be left with the same probate problem unless planning is implemented after the first death. This is usually not a good time for planning, due to the life changes and emotional stress and trauma associated with the loss of a spouse. In addition, joint tenancy can also cause a loss of the step-up in basis on inherited property, which can cause unnecessary capital gains taxes. In conclusion, the execution and funding of a lawyer prepared living trust, when both spouses are healthy, avoids probate and eliminates the possibility that a surviving joint tenant may be unable to accomplish future estate planning due to incapacity or an accident.

Benefits of a Living Trust:

• Probate is avoided, including multiple state probates if you own property in other states

• Probate entails public court proceedings which can last two years or more; whereas trusts are private and can be administered very quickly, which your heirs and successor trustee(s) will greatly appreciate
• The individual(s) who set up the trust are the trustee(s) during their lifetime and have total control over the trust assets, including the power to easily change or revoke the trust
• The trust for a married couple can be designed to maximize the estate tax exemption, which can result in a potential tax savings to the heirs of more than one million dollars
• The trust will not cause a change in income taxes; tax filings remain exactly the same throughout the life of the Trustor
• The trust can hold corporate stock or ownership interest of an LLC, so that the company and its assets will avoid probate
• Living trusts can be established for individuals, or as a joint trust for married couples, bringing all of your assets together under one plan
• Prevents court control of assets at incapacity or death
• Provides maximum privacy
• Quicker distribution of assets to beneficiaries
• Assets can remain in trust even after your death should you desire
• Can reduce or totally eliminate estate taxes
• Inexpensive, easy to set up and maintain
• Can be changed, modified, or cancelled at any time before the Trustor dies
• Difficult to contest
• Prevents court control of minors’ inheritances and guardianship proceedings
• Can protect dependents with special needs
• Prevents unintentional disinheriting and other problems of joint tenancy ownership
• Peace of mind

The author of this article is the principal of The Law Offices of Michael K. Elson.

How Much Do You Need at Retirement?

Many people, when they retire, don’t have much fun at all. Sure they no longer have to work, which is good. But, other than watching reruns of their favorite TV shows, they’re not really living the retirement life that they envisioned because they just don’t have the money for it.

They’ve never sat down and planned their retirement or figured out how much money they would need at retirement. And to do so is not very difficult. You simply have to imagine and think about your ideal life at retirement and estimate how much money it would take to live at that level. Your retirement expenses will usually fall into the categories like the following:

Mandatory Expenses:

Housing – Estimate your housing cost at the time you plan to retire. If you own a home, this will be your monthly mortgage amount. Don’t forget to include your annual real estate tax amount and housing upkeep costs. If you are renting, add your monthly rental amount. Other fees that might be included in this category are big item home expenses such as stove, refrigerator, water heater, and so on.

Transportation – How do you plan on getting around your town or city? If you plan on owning a car after retirement, estimate your annual car maintenance fee, gasoline costs, and automobile insurance. If you rely on public transportation such as trains or buses, estimate the cost of monthly passes and so on.

Food – Grocery store items. Don’t include dining out in this cost figure. Estimate the amount of money you will spend on a monthly basis for food for your family which should include yourself, your partner, and whoever else will be living with you when you retire.

Health – You have to have some money saved up for medical emergencies that Medicare or your insurance policy is not covering.

Home or rental Insurance – usually a small amount but add it anyway.

Optional Expenses:

Entertainment – everyone needs to relax at some point. Look at your current life style or the life style you would like to have at retirement and add those costs. Things like movies, plays, amusement parks, museums, and so on – all go on the list.

Savings – Just because you’re retired, doesn’t meant that you automatically stop saving. You may have plans on saving for your grand daughter’s schooling or a special trip for yourself and your wife. Include it all.

Travel – For many retirees, retirement is the first chance that they’ve had to do extensive traveling. Maybe you’ve always wanted a trip to Morocco, or India, or Russia. Estimate how much such a trip would cost and add it to the pot.

Hobbies – Some hobbies don’t cost much at all, they simply require your time. But if you have a hobby like collecting rare coins, gambling, or flying airplanes – you’d better have saved yourself a large cache of money if you want to enjoy your passion.

Gifts – You don’t want to stop giving gifts just because you’ve retired. Estimate how much money you will probably need in order to give gifts to friends, family, and loved ones.

Now add up these expenses. Totaling the dollar amounts of these expenses should give you a pretty fair estimate of the type of life you’d like to live when you retire and how much it will cost you. With luck, you’ll be able to have the type of retirement that you’ve always dreamed of.

Article by Eric Bayne

Retirement Quotations

Here are some reflections on retirement. This collection of retirement quotes includes sayings from some of the great minds of the past and present. Many are humorous, some inspirational.

R etire, now it is your time to:
e xperience all that life has to offer,
t ake time to smell the roses,
i nvestigate your hobbies,
r evitalize your dreams, and,
e mbark on a new way of life!
— Catherine Pulsifer

“Retire from work, but not from life.”  — M.K. Soni

“Sooner or later I’m going to die, but I’m not going to retire.” — Margaret Mead

“Retirement at sixty-five is ridiculous. When I was sixty five I still had pimples.” — George Burns

“Retire? I’m going to stay in show business until I’m the only one left.” — George F. Burns

“As in all successful ventures, the foundation of a good retirement is planning.” — Earl Nightingale

“When a man retires and time is no longer a matter of urgent importance, his colleagues generally present him with a watch.” — R.C. Sherriff

“Musicians don’t retire; they stop when there’s no more music in them.” — Louis Armstrong

“Preparation for old age should begin not later than one’s teens. A life which is empty of purpose until 65 will not suddenly become filled on retirement.” — Arthur E. Morgan

“The question isn’t at what age I want to retire, it’s at what income.” — George Foreman

“The trouble with retirement is that you never get a day off.”
— Abe Lemons

“We have no porch, no rocking chair — and no time. My biggest need is a calendar because there are so many things to do. Now I encourage people to retire — theyounger the better.” — Maurice Musholt

“Retirement must be wonderful. I mean, you can only suck in your stomach for so long.” — Burt Reynolds

“Don’t think of retiring from the world until the world will be sorry that you retire.” — Samuel Johnson

“Don’t simply retire from something; have something to retire to.” — Harry Emerson Fosdick

“Waiting until your retirement party is too late to start planning your (retirement) portfolio.” — Richard Wastcoat

“The student who secures his coveted leisure and retirement by systematically shirking any labor necessary to man obtains but an ignoble and unprofitable leisure, defrauding himself of the experience which alone can make leisure fruitful.” — Henry David Thoreau

“When a man retires, his wife gets twice the husband but only half the income.” — Chi Chi Rodriguez

“Retirement can be a great joy if you can figure out how to spend time without spending money.” — Unknown

“In retirement, only money and symptoms are consequential.” — Mason Cooley

“Retirement itself is the best gift. No gold watch could ever top it.” — Abigail Charleson

“Retirement, when every day is Saturday! “— Unknown

“The key to retirement is to find joy in the little things.” — Susan Miller

“When I retire I’m going to spend my evenings by the fireplace going through those boxes. There are things in there that ought to be burned.” — Richard Milhouse Nixon

“What will I do with myself when I retire? When I quit my job, I do not want to quit living. Can I possibly be of use when retirement day comes, or will I just be taking up space?” — J. A. West

“I’m not in retirement. I just don’t want to work so much, and I don’t get that many offers any more.” — Max von Sydow

“Retirement is a time to make the inner journey and come face to face with your flaws, failures, prejudices, and all the factors that generate thoughts of unhappiness. Retirement is not a time to sleep, but a time to awaken to the beauty of the world around you and the joy that comes when you cast out all the negative elements that cause confusion and turmoil in your mind and allow serenity to prevail.” — Howard Salzman

“When men reach their sixties and retire, they go to pieces. Women go right on cooking.” — Gail Sheehy

“In this country . . . men seem to live for action as long as they can and sink into apathy when they retire.” — Charles Francis Adams, Sr.

“A retired husband is often a wife’s full-time job.” — Ella Harris

“Age-based retirement arbitrarily severs productive persons from their livelihood, squanders their talents, scars their health, strains an already overburdened Social Security system, and drives many elderly people into poverty and despair. Ageism is as odious as racism and sexism.” — Norman Vincent Peale

“The great thing about show business is that there’s no mandatory retirement age.” — Scott Bakula

“The only way to avoid being miserable (in retirement) is not to have enough leisure to wonder whether you are happy or not.” — George Bernard Shaw

“I’m not just retiring from the company, I’m also retiring from my stress, my commute, my alarm clock, and my iron.” — Hartman Jule

“Retirement has been a discovery of beauty for me. I never had the time before to notice the beauty of my grandkids, my wife, the tree outside my very own front door. And, the beauty of time itself.” — Hartman Jule

I”n retirement, I look for days off from my days off.” — Mason Cooley

“There’s one thing I always wanted to do before I quit , retire!” — Groucho Marx

“There are an enormous number of managers who have retired on the job” — Peter Drucker

“There are some who start their retirement long before they stop working.” — Robert Half

“I only work every couple of years. I go into retirement between films.” — Paul Hogan

“Retirement: No Job, No Stress, No Pay!” — Unknown

“People may live as much retired from the world as they like, but sooner or later they find themselves debtor or creditor to some one.” — Johann Wolfgang Von Goethe

“Retirement to me does not mean nothing to do but the realization of the decisions I made in the past. That I made in my life.” — Jack Bowman

“Retirement is wonderful. It’s doing nothing without worrying about getting caught at it.” — Gene Perret

“Retirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money.” — Jonathan Clements

“Retirement is a one-way trip to insignificance.” — Mason Cooley

“Retired is being twice tired, I’ve thought First tired of working, Then tired of not.” — Richard Armour

“Retirement without the love of letters is a living burial.”  — Seneca

“I’ve been attending lots of seminars in my retirement.  They’re called naps.”  — Merri Brownworth

“When you retire, you switch bosses – from the one who hired you to the one who married you.”  — Gene Perret

“Age is only a number, a cipher for the records.  A man can’t retire his experience.  He must use it.”  — Bernard Baruch

“A gold watch is the most appropriate gift for retirement, as its recipients have given up so many of their golden hours in a lifetime of service.”  — Harry Mahtar

“O, blest retirement! friend to life’s decline – How blest is he who crowns, in shades like these, A youth of labor with an age of ease!” — Oliver Goldsmith

“Retirement is the ugliest word in the language.”  — Ernest Hemingway

“In my retirement I go for a short swim at least once or twice every day.  It’s either that or buy a new golf ball.”  — Gene Perret

“Retirement kills more people than hard work ever did.”  — Malcolm Forbes

“Retirement: Twice the husband, half the money! “— Unknown

“Retirement:  That’s when you return from work one day and say, “Hi, Honey, I’m home – forever.””  — Gene Perret

“I work harder now that I have retired from corporate life, than when I actually worked, but I love it.” — Catherine Pulsifer

“Planning to retire? Before you do find your hidden passion,  do the thing that you have always wanted to do.”
— Catherine Pulsifer

“For retirement brings repose, and repose allows a kindly judgment of all things.” — John Sharp Williams

“Retirement may be an ending, a closing, but it is also a new beginning.” — Catherine Pulsifer

“One of the problems of retirement is that it gives you more time to read about the problems of retirement.” — Unknown

“I have now the gloomy prospect of retiring from office loaded with serious debts, which will materially affect the tranquility of my retirement.” — Thomas Jefferson

“The worst thing about retirement is having to drink coffee on your own time.” — Unknown

“The key to a happy retirement is to have enough money to live on, but not enough to worry about.” — Unknown

“Have you ever been out for a late autumn walk in the closing part of the afternoon, and suddenly looked up to realize that the leaves have practically all gone? And the sun has set and the day gone before you knew it — and with that a cold wind blows across the landscape? That’s retirement.” — Stephen Leacock

“No longer having to punch a time clock is my definition of retirement. That way I could do what I want — when I want — anytime I want.” — Brooky Brown

“I don’t even think about a retirement program because I’m working for the Lord, for the Almighty. And even thought the Lord’s pay isn’t very high, his retirement program is, you might say, out of this world.” — George Foreman

“I’m retired — goodbye tension, hello pension!”  — Unknown

“Men and women approaching retirement age should be recycled for public service work, and their companies should foot the bill. We can no longer afford to scrap-pile people.” — Maggie Kuhn

“There is a whole new kind of life ahead, full of experiences just waiting to happen. Some call it “retirement.” I call it bliss.” — Betty Sullivan

“Enjoy every retirement day as if it was your last and one day you will be right about it. — Unknown wise person   I think my idea of retirement might be to one day work a 40-hour week.”  — Vince McMahon

“The company gave me an aptitude test and I found out the best work I was best suited for was retirement.”
— Unknown

“To retire is the beginning of death.” — Pablo Casals

“In this country . . . men seem to live for action as long as they can and sink into apathy when they retire.” — Charles Francis Adams, Sr.

“I like retirement life. It’s something to do when no one wants you to work anymore. “— Unknown

“The thing to do is to make so much money that you don’t have to work after the age of twenty-seven. In case this is impractical, stop working at the earliest moment, even if it is a quarter past eleven in the morning of the day when you find you have enough money.” — Robert Benchley

“A lot of our friends complain about their retirement. We tell ’emto get a life.” — Larry Laser

“When I lose my marbles which is never, when I lose my energy, I travel the world today for Viacom, China, Dubai, Kuwit. When that happens, I’ll know enough to retire, but that’s never gonna happen. I’m here for forever. — Sumner Redstone

“Retirement is wonderful if you have two essentials — much to live on and much to live for.” — Unknown

“I really wanted to retire and rest and spend more time with my children, my grandchildren and of course with my wife. But the problems are such that for anybody with a conscience who can use whatever influence he may have to try to bring about peace, it’s difficult to say no.” — Nelson Mandela

“My retirement plan is to find a shopping cart with good snow tires.” — Patty Doyle

“Retirement may be looked upon either as a prolonged holiday or as a rejection, a being thrown on to the scrap-heap.” — Simone de Beauvoir

“Retirement to me does not mean nothing to do but the realization of the decisions I made in the past. That I made in my life.” — Jack Bowman

“Retirement will become evident to me at the time.” — Peter Brock

“When is the right age to retire? When you dread going to work.” — Mary Bright

“The retirement system that is in place for members of Congress and other federal workers features what is known as the Federal Employment Retirement Plan.” — Virgil Goode

“Retirement is waking up in the morning with nothing to do and by bedtime having done only half of it.”
— Unknown

“Retirement is not in this company’s vocabulary. If you are well and able to work, you can stay at the company and that’s what I plan to do.” — John H. Johnson

“I tell people retirement isn’t what you think. You are going to sit around and waste your life, you can only golf so much. To stay young, you have to stay in the mix.” — Ron Rice

« Previous Page — Next Page »