Mistake #1 - Not creating a budget for yourself and not tracking your spending.
Mistake #2 - Not taking health into consideration.
Mistake #3 - Relying too much on government assistance, like social security, is a mistake that many make.
Mistake #4 - Dipping into their retirement funds before they are ready to retire.
Mistake #5 - Not knowing all of your saving options.
Showing posts with label Are you Retired. Show all posts
Showing posts with label Are you Retired. Show all posts
Friday, December 5, 2008
You're Retired: Get Out and Enjoy Life
Ideas for Active Seniors to Get the Most Out of Their Retirement
Many of the newly retiring baby boomers are asking themselves, “What do I do know that I am retired?” They are not about to sit at home and play bingo. This group of young, active seniors is looking for ways to fill their retirement years. After many years in hectic careers, many are pursuing new interests.
If you enjoy cooking or baking, many community colleges offer non-credit classes in theses areas. Now only are the classes fun, but it is a good way to meet new friends that enjoy similar interests. Community colleges also offer other non-credit classes in the areas of quilting, clothing construction, horticulture, floral design, woodworking, and more. Now, as a retiree, you can enjoy painting the landscapes and enjoy throwing the pottery wheel if you never got a chance to do so before. In addition, if you are interested in taking a credit class, but don’t need the academic credit (if you just wanted to learn a language or new skill), many colleges will allow you to audit a class and only pay a nominal fee, which is around $25. In addition, many colleges will allow you to take tuition-free classes on a space available basis.
Many of the newly retiring baby boomers are asking themselves, “What do I do know that I am retired?” They are not about to sit at home and play bingo. This group of young, active seniors is looking for ways to fill their retirement years. After many years in hectic careers, many are pursuing new interests.
If you enjoy cooking or baking, many community colleges offer non-credit classes in theses areas. Now only are the classes fun, but it is a good way to meet new friends that enjoy similar interests. Community colleges also offer other non-credit classes in the areas of quilting, clothing construction, horticulture, floral design, woodworking, and more. Now, as a retiree, you can enjoy painting the landscapes and enjoy throwing the pottery wheel if you never got a chance to do so before. In addition, if you are interested in taking a credit class, but don’t need the academic credit (if you just wanted to learn a language or new skill), many colleges will allow you to audit a class and only pay a nominal fee, which is around $25. In addition, many colleges will allow you to take tuition-free classes on a space available basis.
Things to Do After Retirement
How to Enjoy Your Golden Years:
Retirement is the point in life when a person stops employment.
So you have lived your life to sweat and toil to fulfill your obligations to your family, and you have made financial plans so you can enjoy the rest of your years in comfort and free of worry. Suddenly one day, you realize you have finally reached the golden years of retirement. With modern medical care, you may still have 30 or more years after retirement. That is why you should make good use of the time ahead.
Retirement is like a permanent leave, a very long vacation. You no longer need to leave home early in the mornings and come back exhausted in the evenings. Now you have all the time to have a sleep in, to stand and stare or to sit on the rocking chair at the front porch. However, sooner or later these non-active activities will become dull and lifeless, that is the time for you to plan for some fun things to do.
Consider the items listed below and enjoy the rest of your golden years to the fullest.
1. Make a list of cherished dreams
If you miss the productivity of the working life then it is time for you to write down a list of 'things I have always wanted to do'. Look back and add in all the dreams of your youth that you have so far to put on hold. Arrange them according to your preference and then try them one by one.
2. Write your life story
Are your life experiences so far interesting and full of twists and turns? Why not look back and put them down in words. It does not matter if you can actually publish your work in the end, just enjoy the process of writing. Your family and close friends will definitely enjoy your story and even have a better understanding of you.
3. Set off for an adventure
Before you are too old to travel, pack yourself some light luggage and set off for an adventure. This time you do not have to worry about the time factor, just decide on your budget. It does not matter whether you are going across the sea or just a nearby village; it does not matter if you are flying, cruising or riding a train, just decide on the trip of your life and enjoy it.
articlesource:associatedcontent.com
Retirement is the point in life when a person stops employment.
So you have lived your life to sweat and toil to fulfill your obligations to your family, and you have made financial plans so you can enjoy the rest of your years in comfort and free of worry. Suddenly one day, you realize you have finally reached the golden years of retirement. With modern medical care, you may still have 30 or more years after retirement. That is why you should make good use of the time ahead.
Retirement is like a permanent leave, a very long vacation. You no longer need to leave home early in the mornings and come back exhausted in the evenings. Now you have all the time to have a sleep in, to stand and stare or to sit on the rocking chair at the front porch. However, sooner or later these non-active activities will become dull and lifeless, that is the time for you to plan for some fun things to do.
Consider the items listed below and enjoy the rest of your golden years to the fullest.
1. Make a list of cherished dreams
If you miss the productivity of the working life then it is time for you to write down a list of 'things I have always wanted to do'. Look back and add in all the dreams of your youth that you have so far to put on hold. Arrange them according to your preference and then try them one by one.
2. Write your life story
Are your life experiences so far interesting and full of twists and turns? Why not look back and put them down in words. It does not matter if you can actually publish your work in the end, just enjoy the process of writing. Your family and close friends will definitely enjoy your story and even have a better understanding of you.
3. Set off for an adventure
Before you are too old to travel, pack yourself some light luggage and set off for an adventure. This time you do not have to worry about the time factor, just decide on your budget. It does not matter whether you are going across the sea or just a nearby village; it does not matter if you are flying, cruising or riding a train, just decide on the trip of your life and enjoy it.
articlesource:associatedcontent.com
The Four Best Ways to Enjoy Your Retirement
What more two-sided word exists in the English language than retirement? At once, it seems like the beautiful end to a long and fulfilling work career, and at the same time, sounds so much like the early onset of death that many people avoid it entirely. The promise of having little to do all day but enjoy the golden years is an almost foreign concept in our society. Retirement doesn't have to mean spending evenings greeting customers at Wal-Mart, however. If you've planned ahead and saved a little money aside for retirement, you may just find the fulfillment and excitement in your life you thought was long gone. Each of these items is time-tested, and seldom require much money. Each can be done inexpensively or as lavishly as you wish. From here on, 65 isn't an end, but just the beginning.
1.
Travel. The United States is a very big country, and the wonders of it you've seen on television don't compare to seeing things like the Washington monument in person. If you aren't too addicted to luxury, your retirement might include a small motorhome which sleeps two people very comfortably, and can be had new for as little as $45,000, or secondhand but in very good condition for as little as $19,000. They aren't difficult to drive or operate, and smaller motorhomes with diesel engines are not expensive to operate. This provides you with all the comforts of home with the ability to travel and see the country you grew up in, experiencing it firsthand. If you do decide that RV travel is right for you, I suggest your first stop be to www.traderonline.com, where you can use the nationwide listings to get an idea for what price range you would like to be in for a motorhome, as well as what type of travel you and your spouse will be most comfortable with.
2.
Volunteer. Volunteering with a charitable organization such as a church or other community-centered foundation can lead to some friendships you may have never thought you would have. Hospitals, state and national parks, churches, and even prisons are always looking for people to volunteer who's lives were filled with the kind of wealth of experiences which others can learn from. They can also give you some of the very best stories to tell, and the satisfaction of knowing that you helped to make someone's life better through education, healing, or simply listening. You might be surprised by how much difference you can make by just listening to someone.
3.
Write. Retirement never means an end to work. Some people continue to work non traditionally long after they've chosen to retire. What not everyone chooses to do, however, is to write. If you have it in you that creative spark to pen the novel you've always wanted to write, than great. You might just be surprised, however, just how meaningful it might be to your children, grandchildren, or society in general if you wrote down your favorite memories from when you were a child. Many people have a story to tell, but no one thinks that anyone is interested in it. Many times have I wanted to know what my grandfather was like as a child, but I'll never know now. That story would have meant a lot to me.
4.
Start a business. If your ideal job has always been to work in a coin shop, than now's the time to make that dream come true. As I've said, retirement doesn't mean an end. There are many entrepreneurs who have begun successful businesses after their so-called "prime," and they're happier and more successful now than they ever were before. Just make sure that you're doing something you love, because beginning a business in a field you hate is as surely a mistake as passing up a dream job because your current job pays the bills.
When all is said and done, you're going to want to know that your retirement stood for something other than reruns of Judge Judy. At sixty-five, if you've played your cards right, you really can make a difference in the world!
articlesource: associatedcontent.com
1.
Travel. The United States is a very big country, and the wonders of it you've seen on television don't compare to seeing things like the Washington monument in person. If you aren't too addicted to luxury, your retirement might include a small motorhome which sleeps two people very comfortably, and can be had new for as little as $45,000, or secondhand but in very good condition for as little as $19,000. They aren't difficult to drive or operate, and smaller motorhomes with diesel engines are not expensive to operate. This provides you with all the comforts of home with the ability to travel and see the country you grew up in, experiencing it firsthand. If you do decide that RV travel is right for you, I suggest your first stop be to www.traderonline.com, where you can use the nationwide listings to get an idea for what price range you would like to be in for a motorhome, as well as what type of travel you and your spouse will be most comfortable with.
2.
Volunteer. Volunteering with a charitable organization such as a church or other community-centered foundation can lead to some friendships you may have never thought you would have. Hospitals, state and national parks, churches, and even prisons are always looking for people to volunteer who's lives were filled with the kind of wealth of experiences which others can learn from. They can also give you some of the very best stories to tell, and the satisfaction of knowing that you helped to make someone's life better through education, healing, or simply listening. You might be surprised by how much difference you can make by just listening to someone.
3.
Write. Retirement never means an end to work. Some people continue to work non traditionally long after they've chosen to retire. What not everyone chooses to do, however, is to write. If you have it in you that creative spark to pen the novel you've always wanted to write, than great. You might just be surprised, however, just how meaningful it might be to your children, grandchildren, or society in general if you wrote down your favorite memories from when you were a child. Many people have a story to tell, but no one thinks that anyone is interested in it. Many times have I wanted to know what my grandfather was like as a child, but I'll never know now. That story would have meant a lot to me.
4.
Start a business. If your ideal job has always been to work in a coin shop, than now's the time to make that dream come true. As I've said, retirement doesn't mean an end. There are many entrepreneurs who have begun successful businesses after their so-called "prime," and they're happier and more successful now than they ever were before. Just make sure that you're doing something you love, because beginning a business in a field you hate is as surely a mistake as passing up a dream job because your current job pays the bills.
When all is said and done, you're going to want to know that your retirement stood for something other than reruns of Judge Judy. At sixty-five, if you've played your cards right, you really can make a difference in the world!
articlesource: associatedcontent.com
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