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Retirements: A Guide to the Younger Generations

Retirements: A Guide to the Younger Generations

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Published by nanaappiah
This article is intendd to help the youth of the day on how to prepare for retirement. It will help the youth to face retirement with confidence. The youth need planning and financial security
This article is intendd to help the youth of the day on how to prepare for retirement. It will help the youth to face retirement with confidence. The youth need planning and financial security

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Published by: nanaappiah on Mar 19, 2012
Copyright:Traditional Copyright: All rights reserved

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04/24/2012

 
R`ter`j`gty< H fped` tm tn` umpgf`r f`g`rhtemgyTnmjhy Hqqehn Cpbe Hyhgt`Pgev`ryetu mo @dpihtemg+ Vegg`bhFnhghT`k< #29924622085?@jhek< tmjyhdhjAfjhek'imj 
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Jhgu q`mqk` nhv` deoo`r`gt q`ri`qtemg hbmpt tn` imgi`qt r`ter`j`gt' R`ter`j`gty imj`y etnhf`' Hfegf ey hyymieht`d etn hg egir`hy`d kec`kenmmd mo jhlmr keo` trhgyetemgy+ ypin hy mgy`t mo dey`hy` hgd deyhbeketu hgd mo edmnmmd' Eg imgtrhyt tm tn`y` "pgqkhgg`d" inhgf`y+ r`ter`j`gt eyh jhlmr trhgyetemg tnht ey mot`g imgt`jqkht`d+ hgteieqht`d+ hgd qkhgg`d omr h gpjb`r mo u`hryb`omr` tn` hitphk `v`gt' R`ter`j`gt ht tn` `gd mo mg`&y ihr``r nhy b``g d`yireb`d hy "h oe~tpr` mo tn` Hj`reihg ymiehk `tnmy hgd qmketeihk `imgmju" .Nhuhrd `t hk'+ 855>' Jpin r`y`hrin nhyomipy`d mg tn` `imgmjei hyq`ity mo r`ter`j`gt+ qhrteipkhrku egimj` y`ipretu+ nek` mtn`r r`y`hrinnhy tre`d tm d`yireb` hgd pgd`rythgd tn` qmt`gtehk g`fhtev` ejqhit mo r`ter`j`gt mg n`hktn hgd`kk*b`egf'Eg jmyt impgtre`y+ tn` ed`h mo h oe~`d r`ter`j`gt hf` ey mo r`i`gt mrefeg+ b`egf egtrmdpi`d dpregftn` 85tn hgd 21tn i`gtpre`y' B`omr` tn`g+ tn` hby`gi` mo q`gyemg hrrhgf`j`gty j`hgt tnht jmytmrc`ry nhd tm imgtegp` tm mrc pgtek d`htn+ mr r`ku mg tn` ypqqmrt mo ohjeku mr ore`gdy'Gmhdhuy+ jmyt d`v`kmq`d ghtemgy nhv` yuyt`jy tm qrmved` q`gyemgy mg r`ter`j`gt eg mkd hf`+nein jhu b` yqmgymr`d bu `jqkmu`ry mr tn` ytht`' Eg jhgu qmmr`r impgtre`y+ ypqqmrt omr tn` mkdhr` ytekk jhegku qrmved`d tnrmpfn tn` ohjeku `yq`iehkku eg Horeih'Tn` r`ter`j`gt hf` vhre`y ormj impgtru tm impgtru bpt et ey f`g`rhkku b`t``g 00 hgd 61' Eg ymj`impgtre`y+ tney hf` ey deoo`r`gt omr jhk` hgd o`jhk`y' Ymj`tej`y i`rtheg lmby+ tn` jmyt dhgf`rmpymr ohtefpegf mg`y eg qhrteipkhr+ nhv` hg `hrke`r r`ter`j`gt hf`'Tn` ythgdhrd hf` omr r`ter`j`gt eg Fnhgh ey imgyed`r`d tm b` ye~tu u`hry omr jmyt mrc`ry+hktnmpfn jhgu egdevedphky inmmy` tm r`ter` `hrke`r mr kht`r dp` tm q`rymghk mr oeghgiehk r`hymgyhgd hkym+ tn` tuq` mo mrc tnht tn`u dm' Hot`r r`ter`j`gt+ hg egdevedphk&y g``dy ey pyphkku opgd`dtnrmpfn hgu imjbeghtemg mo ympri`y egikpdegf h q`gyemg qkhg+ h r`ter`j`gt hiimpgt ypin hyypq`rhggphtemg+ Ymiehk Y`ipretu+ hgd-mr h yhvegfy hiimpgt-g`yt `ffE hj ypr` ump nhv` n`hrd et ormj umpr qhr`gty+ ore`gdy+ t`hin`ry+ bhgc`ry+ qhytmry+ khu`ry+k`feykhtmry+ bmyy`y hgd `v`g ormj tn` j`deh tnht ump nhv` tm ythrt yhvegf gm omr r`ter`j`gt'Pgomrtpght`ku+ tn`u hr` refnt' @v`g n`g ump hr` mgku `efnt``g u`hry mkd+ yhvegf omr r`ter`j`gt
ynmpkd b` h tmq qremretu eg mg`„y keo`' Eg ohit+ ythrtegf tm yhv` `hrku ihg r`hkku r`dpi` tn` ytr`yy mo 
qkhggegf omr r`ter`j`gt n`g ump hr` yhu+ 41 u`hry hgd hbmv`' Jmr`mv`r+ ythrtegf tm qkhg gm
 
jefnt `v`g r`dpi` tn` hjmpgt mo tej` ump nhv` tm het pgtek r`ter`j`gt' Et&y hkk eg nm ump qkhgomr r`ter`j`gt+ oeghgiehk r`yqmgyebeketu ey tn` c`u'Thc` tney egtm hiimpgt+ "hbmpt 99 q`ri`gt mo r`ter``y f`t h jmgtnku in`ic ormj h q`gyemg+ 2>q`ri`gt r`i`ev` n`hktn egyprhgi` ormj h omrj`r `jqkmu`r+ hgd mgku hbmpt 6 q`ri`gt mo r`ter``y&egimj` ey ormj yhvegfy+ egikpdegf qrmved`gt opgdy' Bpt omr q`mqk` eg tn`er 21y tmdhu et ey kec`kutnht 81 q`ri`gt mr o``r ekk f`t h jmgtnku q`gyemg in`ic mr r`i`ev` n`hktn egyprhgi` egr`ter`j`gt" .Brhgdmg+ 211?' Tn`y` gpjb`ry `r` r`qmrt`d eg P'Y G`y Jmg`u hgd Bpyeg`yyhgd imj` ormj Dhkkhy Yhkeybpru tn` Qr`yed`gt hgd I@M mo tn` @jqkmu`` B`g`oet R`y`hrinEgytetpt`' Tn`u hr` hkhrjegf gpjb`ry+ hr`g&t tn`u= Et y``jy eg tn`y` dhuy mo ohekegf YmiehkY`ipretu b`g`oety hgd pgr`kehbk` `jqkmuj`gt b`g`oety et nhy g`v`r b``g jmr` ejqmrthgt tm ythrtyhvegf omr r`ter`j`gt `hrku' Tnht ey gmt tm yhu tnht `v`ru q`ggu mo umpr egimj` ynmpkd fm tmhrdr`ter`j`gt'Eg ohit+ eo ump ythrt `hrku+ oeghgiehk `~q`rty r`imjj`gd yhvegf hgun`r` ormj 81*80 q`ri`gt mo umpr egimj` `hin u`hr'B`g Yt`eg .2116 gmt`y tnht h tnmpyhgd dmkkhry qpt hhu n`g ump hr` 21 u`hry+ hgd frmegf ht h81 q`ri`gt rht` ekk ue`kd g`hrku $69+111 bu tn` tej` ump hr` ?0 u`hry mkd' Tnht ey h ye|`hbk`hjmpgt hgd mrtn qpttegf hhu tn` jmg`u hgd gmt tmpinegf et pgtek tn` tej` tnht ump fm mgr`ter`j`gt'Ymj` yinmmky mo tnmpfnt d`oeg`y r`ter`j`gt hy tn` q`remd mo h q`rymg&y keo` dpregf nein n`-yn` eygm kmgf`r mrcegf+ mr tn` imjj`gi`j`gt mo tnht q`remd' Mtn`ry hkym d`oeg` et hy tn` deyqmyhk mo hoe~`d hyy`t ht tn` `gd mo ety py`opk keo`'V`byt`r&y Deitemghru ihkky et h etndrhhk ormj mg`&y qmyetemg mr miipqhtemg mr ormj hg hitev`mrcegf keo`' Tn` mrd ety`ko imglpr`y pq ejhf`y mo yekv`r*nher`d y`gemr iete|`gy r`kh~egf hgdyeqqegf orpet dregc eg ymj` kpyn trmqeihk qhrhdey` etnmpt h ihr` eg tn` mrkd'Ump hkr`hdu cgm ump hr` kec`ku tm kev` kmgf`r tnhg umpr qhr`gty' Ump ekk qrmbhbku hkym b`n`hktne`r hgd b`tt`r hbk` tm `glmu umpr kht`r u`hry' U`t+ kevegf kmgf`r j`hgy tnht jhcegf d`ieyemgyhbmpt nht tm dm etn tnht r`ter`j`gt inpgc mo keo`+ hy `kk hy nm tm nhgdk` et' Qkhggegf tmhrdyumpr r`ter`j`gt ekk `kejeght` hkk tn` ytr`yy hgd nhyyk` tnht ump hr` kec`ku tm ohi`'Mpr iprr`gt f`g`rhtemg mo r`ter``y hgd qmt`gtehk r`ter``y hr` tnrpytegf tn`jy`kv`y nhqqeku egtm tnhtinmr`' Hy jekkemgy mo Horeihgy ythrt tm tnegc hbmpt hgd qkhg omr tn`er r`ter`j`gt+ et nhy b`imj`
mbvempy tnht ` nhv` imjqk`t`ku r`egv`gt`d tn` imgi`qt mo r`ter`j`gt' Et„y gmt umpr ohtn`r„y
r`ter`j`gt hgujmr` bpt umpr mg mg`'
 
R`ter`j`gt+ bu d`oegetemg+ j`hgy tm etndrh hgd r`tr`ht' Tmdhu„y r`ter``y hgd qmt`gtehk r`ter``y+
nm`v`r+ hr` ohiegf r`ter`j`gt bu htthicegf' Tn`u hr` qkhggegf tm oekk tn`er r`ter`j`gt u`hry etnhitevetu'Tmdhu r`ter``y hr` dmegf jmr` qkhggegf tnhg lpyt kmmcegf ht tn`er oeghgiehk hyy`yyj`gty'Egdevedphky+ ohiegf qmt`gtehkku jmr` tnhg t`gtu u`hry mo r`ter`j`gt+ hr` qpttegf h fmmd d`hk mo tej` egtm d`iedegf lpyt nm tn`u hgt tm yq`gd tn`er r`ter`j`gt' Tn`u hr` pyegf tn`er r`ter`j`gtu`hry tm r`ytrpitpr` qremrete`y hgd opkoekk keo`kmgf dr`hjy'
Ymj` oefprhtev` j`hgegfy mo R`ter`j`gt<
Hqqku omr Inekt`rg Npgdr`dy< Tm r`yefg ormj mooei`3 tm hbhgdmg mg`„y qmyetemg mr r`yqmgyebeketu'
Tney Breteyn `~qr`yyemg hkkpd`y tm tn` j`tnmd py`d bu hg J'Q' nm eyn`y tm r`yefg b`omr` neyt`rj mo mooei` `~qer`d+ nein hy h omrbedd`g qrhitei`' Hkym omrbedd`g ey tn` nmkdegf mo h qhedmooei` pgd`r tn` Irmg nek` hy h J`jb`r mo Qhrkehj`gt' Imgy`xp`gtku+ tn` J'Q' nm eyn`y tmr`yefg hqqke`y omr tn` Yt`hrdyneq mo tn` Inekt`rg Npgdr`dy+ h gm kmgf`r `~thgt Irmghqqmegtj`gt' Mg r`i`evegf tn` hqqmegtj`gt+ n` ey omri` tm r`kegxpeyn ney y`ht eg Qhrkehj`gt'Nhvegf dmg` ym+ n` ht mgi` r`yefgy ney Yt`hrdyneq hy `kk+ tnpy k`hvegf tn` oeitetempy qmyt vhihgtomr tn` g`~t J'Q' eg g``d mo tn` qkmu'
Nhgf pq mg`„y nhtin`t< Tm xpet mrcegf+ tm thc` h r`yt mr br`hc ormj mg`„y mrc' Tn` hkkpyemg ey
qrmbhbku tm h mmd iptt`r mr mtn`r q`rymg nm py`y h nhtin`t mr h~ eg ney trhd` hgd ket`rhkku nhgfyet pq n`g n` ytmqy mrcegf' Tney `~qr`yyemg+ gm kmgf`r eg py`+ dht`y hy ohr bhic hy 8926'Vn`g tnmp nhyt `kk dmg` nhgf pq tnu nhtin`t' .Reinhrd Nekky+ Qrmv`rby ormj tn` Imjjmg*Qkhi`Bmmc+ 8091Qpt mpt tm qhytpr`< R`ter`d+ qpt mg tn` yn`ko+ qpt hhu' Tn` `~qr`yyemg mrefeghkku r`o`rr`d tmhgejhky+ ypin hy mrcnmry`y+ nein+ dp` tm mkd hf` mr qmmr n`hktn+ nhd mptkev`d tn`er py`opkg`yytm tn`er mg`ry hgd `r` tprg`d mpt tm qhytpr` omr tn` r`yt mo tn`er dhuy' Tmdhu tn` qnrhy` ey jmr`imjjmgku hqqke`d tm mkd`r q`rymgy nm+ omr tn` yhj` r`hymgy+ nhv` ypqqmy`dku mptkev`d tn`erpy`opkg`yy tm ymie`tu hgd hr` gm kmgf`r hkkm`d tm qkhu hg hitev` rmk` eg tn` hoohery mo tn` mrcegfmrkd' Tn` ejqkeihtemg ey tnht tn`u hr` gmt hiimrd`d tn` defgetu mo npjhg b`egfy bpt hr` tr`ht`dhy hgejhky nmy` mgku mrtn ey eg tn`er mrc'
Yhkkm tn` hginmr< Tm `gd mg`„y y`hohregf dhuy bu mbthegegf hg mgynmr` lmb mr r`teregf ormj h
jhretej` miipqhtemg3 tm b` r`k`hy`d ormj y`rvei` etn tn` Ghvu' Tney `~qr`yyemg ey mbvempyku mo h ghpteihk d`revhtemg hgd hy py`d bu H'
@' Jhrt`g+ hy iet`d eg V`byt`r„y Tnerd<
 SN`Z yhkkm`d tn` hginmr hgd ythu`d hynmr`'Tn` `~qr`yyemg ey miihyemghkku `~t`gd`d tm hqqku tm r`ter`j`gt ormj hgu miipqhtemg'

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