Retirement

Retirement

Retirement is the point where a person stops employment completely. A person may also semi- retire by reducing work hours.

Tou can keep working past your State Pension age. You can usually work for as long as you want to. ‘ Default retirement age’ (a forced retirement age of 65)

There are some important choices to make if you’re planning to retire soon. … Learn about retirement basics The basics of pensions, tax and retirement.

Retirement can bring significant financial changes. We provide a range of tips and ideas to help you manage the transition.

Thoughts on Retirement at 70+

Thoughts on Retirement at 70+ What do you think about the new retirement ages? Maybe by the time you reach the magic number it will be 80! Quite a thought! Bit of a joke really if you are still drawing breath you can draw a pension! Whatever you will be fit enough o do the things you have been waiting to do is another matter. How fit will you be? Will you live that long? How big is your pension…

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7 Ways on How to Invest For Your Retirement

7 Ways on How to Invest For Your Retirement Investment Plan for Your Retirement There so many investment plans available out there. The following points will guide you to choose the most appropriate one for you with lesser risks and commitments to manage. The points are based on the fact that, after a while they are going to be appreciating business ventures for your retirement. 1. Annuity Annuity is a plan whereby an insurance company in exchange for purchase price…

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Choose Lump Sum Annuity and Finance Your After-Retirement Life

Choose Lump Sum Annuity and Finance Your After-Retirement Life Investing in a lump sum annuity is a commendable way to prepare for your after-retirement life or to save for any event like child's college fund that may come up in future. As an additional benefit, you also save heavily on tax by investing in annuities. By definition, and annuity is an agreement or contract – usually with an investment or an insurance company – where the company is bound to…

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401K (Employee Benefit) and Retirement Plans and Audits

401K (Employee Benefit) and Retirement Plans and Audits 401k Audit is no less an exception which is complex for the people who are not familiar with it. Federal Government has stated some rules and regulations that are mandatory for both 401k plans, other retirement plans, and employer as well. The word “audit” whenever cited; raises questions and discomfort among people. The reason being; lesser knowledge of the audits which they are obliged to pay and which one doesn’t concern them.…

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Earn Money In Retirement – Plan To Avoid The Pension Gap

Earn Money In Retirement – Plan To Avoid The Pension Gap Just what standard of lifestyle will you be able to afford after retirement age? In the past, when many people lived very basic lives, the old age pension, provided by the government, might well have allowed for survival standards to be maintained. It is so obvious that it hardly needs smoking, but that is no longer in any way true for other than a tiny number of unusual people.…

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Pet Friendly Retirement Communities

Pet Friendly Retirement Communities Since we are in the aging of America, many baby boomers have pets for companions. It is said that seniors live longer, happier, healthier lives with a pet. Most communities or developments do consider themselves as pet retirement communities. What does this mean? In general, it means that pets are o.k. to have and are not prohibited. However, depending where you live, in a pet retirement community, there may be restrictions on the pet you own.…

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Plan Your Retirement With An IRA

Plan Your Retirement With An IRA If you are planning to have a secure retired life you need to start planning very early. Retirement planning basically means to save money and to gain interest on the same. For example if you create an account solely for use after your retirement, you can count on the interest of this account to live out your old age. These accounts are generally called Individual Retirement Accounts. IRAs are of many types. The main…

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Charitable Giving With Retirement Benefits

Charitable Giving With Retirement Benefits Retirement funds and charitable planning may not be two areas most people would naturally think to combine. But in many cases, donating retirement benefits to charity can be an ideal solution, both for the donor and the recipient. The first and best reason to leave retirement benefits to a charity is, as with any philanthropic gift, to benefit the organization. If you do not want to help a particular charity achieve its goals, there is…

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Your 401k and the Retirement Savings Contribution Credit

Your 401k and the Retirement Savings Contribution Credit If you earn relatively little, there's good news for your 401k: a federal tax credit. A tax credit is better than a deduction because it directly reduces the amount of taxes you owe, making it as good as cash. Unfortunately, the federal tax credit is limited. Eligibility for Retirement Savings Contribution Credit (in 2008): Single person with income less than $ 26,500 a year Head of household with income less than $…

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Preparing Your Portfolio for Retirement

Preparing Your Portfolio for Retirement Think about this analogy: When an airplane is preparing to land, it doesn’t descend 30,000 feet in a matter of seconds. Rather, it happens gradually. The pilot adjusts to the landscape and weather conditions to assure a soft landing. In the years leading up to retirement, you should begin to treat your investment portfolio in a similar manner. Prepare ahead of time to protect your assets and adjust as dictated by market and economic conditions…

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