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by: Sean Carter
Many get very excited with the very thought of retirement
but with some the reaction is very negative, whenever there
is a talk or discussion on retirement. Retirement is that
stage of life where a working person gets a complete relief
from his work and is a signal that he can stretch out his
legs, resting to all glory.
Over the years there has been several changes, in peoples
attitude towards retirement. Previously, nobody planned as
to how they shall be spending their life after retirement
but as for toady things have undergone a sea change. Now a
days, every body has a full fledged plan in hand as to how
life shall be after retirement. In fact such people sound
very excited and enthusiastic, while discussing on retirement.
For the seniors of today, retirement is almost an opposite
concept compared to those a few years ago. Mention may be
made of the seniors of Florida, Arizona and Texas, who even
at the age of their age of retirement, seems to be as healthy
as their grand children.
In some exceptional cases, retirement to some may come as
an emotional moment. It makes them feel different and to some
extend lonely as they shall no more be in the company of all
those people who had almost become a family. But looking at
it from a different perspective, it also gives them the privilege
of spending time with all those people whom they had been
avoiding all this while, especially the family, who has always
craved for their presence.
Retirement also has a different part to it, which is called
semi-retirement. This is a stage where the person has no other
option than to apply for a retirement, as his physical conditions
do not allow him to work any more. It could happen in cases
where he is either suffering for a disease or has met with
an accident.
As far as the age for retirement is concerned it varies from
country to country. But usually it comes between the age of
55 to 70. Some countries have a different retirement age for
their male and female employees. For the Americans the retirement
age is 65. Retirement plans are always mentioned in the company
rule books and a person joining the company knows it from
the very start as to when shall he be retiring.
Not everybody enjoys the phase of retirement. To some it
comes as a thing of utter sorrow. This is for the simple reason
that their and their family's survival, completely depends
on their job, and retirement puts an end to all their survival
strategies. But as for today, there is little to worry about
survival after retirement, as there are several after retirement
plans available.
Survival after retirement
Retirement is not something that comes all of a sudden. It
is something that a person knows of from the very beginning.
Thus it is very essential to plan your life savings, so that
you don't sit penniless at home the moment you retire. With
the change in times and progressments around, life after retirement
can be spend in the most beneficial and meaningful way.
Pension is the most common thing that is prevalent in almost
all the countries. Seniors get their pension which is a kind
of steady income that he/she receives on a decided date. This
pension is a sponsored facility, either by the government
or by an organization.
The IRA ( Individual Retirement Account) is yet another option
available. These are accessed through an individual's bank
accounts or the mutual funds. There are two kinds of IRAs
available- Roth IRA and the Traditional IRA. This is yet another
very good option to save money for life after retirement.
For all those seniors who need medical assistance after retirement
and are left with very little helping hands as well as resources,
can drop them selves in retirement homes. This is one place
where the retired people can have the kind of freedom they
wish to and the proper medical assistance.
Money companies have the facility of PF (Provident Fund)
which is a very secure option for the people retiring. Certain
amount of money gets deducted from a person's salary every
month which gets deposited into his PF account. This is one
very good security measure where the employee gets all the
money at a time after retirement.
Life after retirement
Think about all those interest of your's you could not pay
attention to in your life time. Divert all your attention
to those. Be it your interest in music or dance, this is the
right time for it.
Get into all those adventures that you love and something
which you could not thin about due to your busy schedules
at work.
Meet up all those people who went unnoticed all this while
and give your 100% to your family, as they have always needed
you the most.
Get into social work, helping people around you and try to
keep your self engaged.
Travel to all possible places and admire the beauty of nature
and the beautiful things made by god.
You could also open up a small business of your's that would
help to kill time and add in some money.
Seniors have lots of monetary and leisurely options left
to their disposal. It all depends on an individual and the
way he/she takes situations. Retirement is never a curse,
In fact it is a boon in most of the cases. Positive thinking
is very essential.
About The Author
Sean Carter writes on http://www.123greetings.com/business/retirement/
http://www.123greetings.com/encouragement_and_inspiration/
family, relationships ,women issues,religion, love and friendship.
He also writes on holidays and celebrations around the world.
He is a writer with special interest in ecard industry. He
writes for http://www.123greetings.com.
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