Retirement,the,New,Age,Retirem finance, share, loan Retirement In the New Age

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Retirement In the New AgeAre You Prepared For A Life of Leisure?Consider These Numbers…"At the end of WWII, there were 42 workers paying into Social Securityfor each person receiving benefits. Today, barely three people contributefor each recipient. Projections are that by 2030, when most baby boomerswill have retired, just two working people will contribute for each personreceiving benefits. (Social Security Administration, Trust Funds Report, 1992)." (Saperston Asset Management Inc.)"Social Security benefits will replace only 16% of the income of marriedcouples earning $50,000 to $100,000 and only 9.5% of the income of marriedcouples earning $100,000 and only 9.5% of the income of married couplesearning $100,000-plus. (Office of Research and Economic Analysis, Pension and Welfare Administration)."(Saperston Asset Management Inc.)"Working people tend to think their retirement lifestyle will be better thantheir current lifestyle, but retirees report their standard of living hasdeclined. Example: Twenty-six percent of workers say they are "justmaking ends meet," but only 16% think they will live this way inretirement. Of retirees, 20% are "just making ends meet," while 16%describe their pre-retirement lifestyle this way (Employee BenefitResearch Institute)."(Saperston Asset Management Inc.)Is this the reward for a life of ardent labor and selfless devotion?I would like to think not. I did not write this article with the intentto trouble you, instead I have written it in hopes of awakening you tothe issue before it's too late.Now that we have discussed the problem, let's discuss some solutions.If you're still in your youth, roughly between the ages of 20 and 35 youstill have time to start a traditional savings plan that will over timebuild you a comfortable nest egg for retirement. But my main focusin this article is to help those with much less time before retirement.What do you do when you only have a few years left before retirement and you realize that you don't have enough set aside to live the life ofluxury and leisure that we all hope for. Should you put your dreamsaside and continue to work through your golden years? No oneshould ever have to do this. No, instead I propose you take fate intoyour own hands, flip it upside down, and shake it until his pockets areempty. Than pick up the cash dust yourself off, and enjoy your life.Ways to "Flip Fate" - Retirement Plans & SolutionsMoney is a game of self education. Those who have it prosper, thosewho don't fail. It's that simple. So pick an option and get educated,your retirement depends on it.401(k)'s & IRA'sTime to put these bad boys into overdrive. Start plunging huge chunksof your monthly income into either your 401(k) or your IRA. If yourcompany provides a lucrative compensation matching plan, than hitthat 401(k) hot and heavy as it has the potential to provide a return ofup to 25% 50% and sometimes even 100%!Stocks & Mutual FundsIf you know what your doing, or have an Einstein of a broker, you maywant to take a look into this option, as the stock market is a provenmoney maker for those who know the game. For those who don't stickwith mutual funds and a good broker.Second JobThis is not a pretty one, but drastic situations call for drastic measures.---------------------These last two are quoted directly from MSN's "Money Central" and are probably the two which are the most immediately lucrative choicesyou have."Plan to sell your house and buy a smaller one or get out of the realestate market altogether.This is especially true if you're planning to move to a retirementcommunity with lifetime services. If you need your home equity for livingexpenses, you can always take a reverse mortgage.""Start a business on the side.There are many benefits to this, especially if you're close to retirement.First, you can usually contribute up to 25% of your self-employmentincome to a tax deductible Keogh plan even if you're already puttingmoney in another plan. The second benefit is that your new knowledge and experience makes youmore valuable to your current employer. Third, if you're laid off orexperience job discrimination in terms of a pay raise, you have anotherincome. Also, once you're officially retired from your primary job, youhave a nice business that can continue to generate income. It gives yousome great tax deductions and still allows you to sock away money forretirement, whenever you finally decide you can afford to slow down."Your financial future is dictated by the choices you make today. Don'tlet retirement sneak up on you as it has so many others. Make a decisionto take action today. Good luck, and enjoy your retirement!Wishing you success,Michael [email protected], Wellness & Wealth - The Freedom and Time to EnjoyLife to it's Fullest! Be part of the next Trillion DollarIndustry...Health! Benefit from the best health productsavailable, than share them and profit http://www.artofhomebusiness.com/V4L