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Topic: Retirement

In the News (Mon 13 Oct 08)

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	Retirement - Wikipedia, the free encyclopedia
		The retirement with a pension is considered a right of the worker in many societies, and hard ideological, social, cultural and political battles have been fought for this right to be granted.
		Retirement age for teachers in France is thirty years after employment and age 50 for train engineers [2] on the SNCF, the national railway.
		Retirement might coincide with important life changes; a retired worker might move to a new location, for example a specialised retirement village, thereby having less frequent contact with their previous social context.
	en.wikipedia.org /wiki/Retirement (816 words)

	RRB Form IB-2: Employee and Spouse Annuities (Site not responding. Last check: 2007-11-06)
		Early retirement annuity reductions are applied to annuities awarded before full retirement age, which ranges from age 65 for those born before 1938 to age 67 for those born in 1960 or later, the same as under social security.
		Full retirement age for a spouse is gradually rising from age 65 to age 67, just as for an employee, depending on the year of birth.
		Annuitants under full retirement age who work after retirement and expect that their earnings for a year will be more than the annual exempt amount must promptly notify the Board and furnish an estimate of their expected earnings in order to prevent an overpayment and penalties.
	www.rrb.gov /opa/ib2/ib2_ret.html (3796 words)

	U.S. Office of Personnel Management (OPM), Federal Retirees - FERS Overview (Site not responding. Last check: 2007-11-06)
		It provides monthly payments if you are retired and have reached at least age 62, monthly benefits if you become disabled, monthly benefits for your eligible survivors, and a lump sum benefit upon your death.
		The Thrift Savings Plan is a tax-deferred retirement savings and investment plan that offers the same type of savings and tax benefits that many private corporations offer their employees under 401 (k) plans.
		The Federal Employees Retirement System is a flexible plan for a flexible work force - a work force that is more likely to work for several different employers during the course of a career.
	www.opm.gov /retire/html/retirement/fers.html (382 words)

	Kentucky: Personnel Cabinet - Retirement (Site not responding. Last check: 2007-11-06)
		Your retirement plan as an employee of Kentucky state government is designed to give you long-term security in the years after your state service is completed.
		Your monthly contribution to your retirement plan is 5% of your salary for non-hazardous positions.
		However, all employees who reach the age of 65 and have contributed to the retirement system for at least one month are eligible for retirement.
	personnel.ky.gov /info/emphb/retire.htm (732 words)

	Early retirement planning consultants USA
		Whether you are planning on retiring this year, next year or 10 years from now, successful retirement depends on you having a retirement plan.
		We provide retirement planning services giving a realistic view of your retirement future and insight as to how your money and investments will perform.
		Your retirement is a date in time, retirement planning is preparing for that time.
	www.retirement-4-u.com (342 words)

	Retirement
		Participation in one of the retirement programs offered by the University is required by Utah state law for all faculty and staff employees in benefit-eligible positions.
		Faculty and staff in a partial retirement status who continue employment in benefit-eligible positions are eligible to participate in a retirement program based on the number of work hours regularly scheduled.
		An employee enrolled in a retirement program whose employment status changes so that he or she is no longer eligible will not continue to participate in that program.
	www.usu.edu /hr/policies/361.htm (772 words)

	Washington State Department of Retirement Systems (Site not responding. Last check: 2007-11-06)
		The Washington State Department of Retirement Systems (DRS) administers seven public employee retirement systems as well as the Deferred Compensation and Dependent Care Assistance programs.
		Now you can view your retirement account information in the middle of the day, or the middle of the night.
		Available to members and retirees of all retirement systems and plans.
	www.drs.wa.gov (305 words)

	South Carolina Retirement Systems - Calculators
		They are distinguished by how close one is to retirement and the ability to predict all of the parameters used at time of retirement.
		This application calculates an unofficial estimate of your retirement benefits based on information provided by you, and the accuracy of the estimate will depend on how closely the variables chosen by you match the actual numbers derived in the future.
		The benefit you receive from the Retirement Systems will be determined according to the statutes and regulations of the State of South Carolina, as set forth in Title 9 of the Code of Laws of South Carolina, 1976, and Article 9 of Chapter 19 of the South Carolina Code of Regulations.
	www.retirement.sc.gov /calculators (332 words)

	Fool.com: How to Retire in Style [Retirement]
		The younger you are, the more distant is retirement -- and the more power you have at your fingertips in the form of compound returns over time.
		These are the questions that we all need to ask; questions that we often wait too long to ask; questions that surface dimly on occasion, in a remote and dusty corner of the mind, a mind that is otherwise occupied with this minute's conversation, today's project, tonight's movie, and tomorrow's meeting.
		If you're not prepared for retirement, you may be in for some flame-broiled surprises later in life.
	www.fool.com /Retirement/Retirement.htm (364 words)

	Best Retirement Spots...travel to the retirement destination of your dreams!
		Today's baby boomers are planning for retirement at younger ages than previous generations ever did, and many are considering non-traditional retirement destinations.
		Of those already retired, more than 500,000 travel from their home states each year in search of the ideal retirement spot, whether it be by the water, in the mountains or near the desert.
		Retirement is not what it used to be, and so we look at the best retirement spots and provide resources here to help you narrow the choices.
	www.bestretirementspots.com (194 words)

	Financial Calculators at Dinkytown.net
		If you own company stock in a retirement plan you may be able to take advantage of using the long term capital gains tax rate rather than your ordinary income tax rate on this investment.
		Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.
		Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement.
	www.dinkytown.net /retirement.html (613 words)

	Retirement
		And over the next 10 to 20 years, their retirement incomes will turn out to be a lot smaller than they now anticipate -- not to mention the value of their stock options, the pleasure they get from feeling wealthy and the amount of money they therefore spend.
		RETIREMENT CALCULATOR LINK 1: No on line calculator has included all the areas I think need consideration (for example, working part time for "x" years, adjustment for various inflation rates, inheritances received at different years, etc.) but this one from U.S. News includes some topics for adjustment (longevity, social security, Medicare) that I consider unique.
		RETIREMENT PLAN LINK 2: (The U.S. Small Business Administration, the U.S. Department of Labor, the U.S. Chamber of Commerce, and Merrill Lynch) This site is designed to help small business owners develop the right retirement plan for their business.
	www.efmoody.com /retirement/overview.html (4152 words)

	Overview of Retirement Plans (Site not responding. Last check: 2007-11-06)
		Retirement plan eligibility is determined by job class, the percentage of time worked, and length of UW appointment.
		If you move from a UWRP eligible position to a PERS eligible position or vice versa, contact the Benefits Office to determine your retirement plan choices.
		If you were participating in an employer-matched, defined contribution, basic retirement plan with your former employer, you may be eligible to participate in the University of Washington Retirement Plan (UWRP) instead of the Public Employees Retirement System (PERS).
	www.washington.edu /admin/hr/benefits/retirement.all.plans.html (598 words)

	Retirement Benefits
		If you retire at age 62 (the earliest possible retirement age for Social Security), your benefit will be lower than if you wait until later to retire.
		For example, if you retire at age 62, your benefit would be about 20 percent lower than what it would be if you waited until you reach full retirement age.
		In deciding when to retire, it is important to remember that financial experts say you will need 70-80 percent of your preretirement income to have a comfortable retirement.
	www.ssa.gov /pubs/10035.html (3273 words)

	Retirement Joke
		In honor of all of you who have worked hard all your life, or those of you who just didn't do anything, we present this website.
		In it you will find a great assortment of retirement humor, quotes, and old age jokes.
		The concept is rather simple, simply click on the joke of your choice, and click on the INDEX link up top to get back here.
	www.retirementjoke.com (111 words)

	Retirement Information
		The three major elements of your retirement portfolio are benefits from pensions, savings and investments, and Social Security benefits.
		To help you plan for retirement, each year we send you your personal Social Security Statement, which gives you an estimate of the monthly benefit amounts you and your family may qualify for now and in the future.
		To find out what your full retirement age is, use our Retirement Age Chart at http://www.socialsecurity.gov/retire2/agereduction.htm.
	www.ssa.gov /retirement (794 words)

	The Retirement Calculator - Financial software for budget planning, wealth management and asset allocation
		Retirement Calculator featured on CBS News, The Saturday Early Show.
		The Retirement Intelligence Information Services newsletter provides investment education in easy to understand terms, to help you, the individual investor.
		Making your retirement portfolio last as long as your working life did, can be a challenge.
	www.retirementcalc.com (236 words)

	Pensions, State pension, Company Pensions, Stakeholder Pensions, Advice \| This is Money
		Lloyds TSB, BT and BAE Systems each have a fl hole in their pension fund of more than £2.8bn, threatening the retirement plans of their staff...
		Eight out of ten people are expect to retire at or before 65, despite half of them having no form of pensions saving, research showed today...
		The introduction of the Pension Credit has discouraged nearly a third of the population from saving for their retirement, a report claims...
	www.thisismoney.co.uk /retirement (583 words)

	Retirement Corner Article Archive
		On a bi-weekly basis retirement expert Denise Appleby takes a closer look at financial issues concerning retired individuals and those planning for their retirement.
		Offering the advantage of tax-free withdrawals after retirement, this new plan may be the one for you.
		Retirement and education financing are the two most important planning items for taxpayers.
	www.investopedia.com /articles/retirement (1645 words)

	Resources for Retirement Planning (Site not responding. Last check: 2007-11-06)
		To ensure a comfortable retirement, you need to start planning now.
		If you are like most people, you undoubtedly feel that you have paid enough taxes during your career to last several lifetimes, and you certainly don't relish the idea of paying taxes once you are retired.
		There are places around the world offering outstanding lifestyles that you can enjoy during your retirement (or even semi-retirement) where you may considerably reduce the taxes you would expect to pay in your home country.
	www.retirementhavens.com (146 words)

	Retirement Homes, Retirement Communities & Senior Housing - RetirementHomes.com
		Retirement Homes is a comprehensive and user friendly directory of retirement homes, retirement communities, senior housing, long term care and elder care facilities in North America.
		Retirement Homes will help you learn about all your retirement living, senior housing and long term care options in the USA and Canada.
		COLONIE -- MillView of Latham Assisted Living Residence is set to open its 14-room addition at the end of the month, officials said Thursday.
	www.retirementhomes.com (294 words)

	Retirement at UT System
		You are eligible for retirement benefits with TRS or in the ORP on your first day of employment.
		Retirement benefits are based on legislatively determined formulas.
		The Optional Retirement Program (ORP) may be chosen by certain employees in lieu of TRS based on the job they perform.
	www.utorp.utsystem.edu (400 words)

	RETIREMENT RESORTS - The World's Finest Active Retirement Living (Site not responding. Last check: 2007-11-06)
		In recent years the definition of "retirement" has undergone an exciting transformation.
		communities that are committed to a revolutionary new definition: that retirement living in a dynamic, growing community can enable you to enjoy some of the best years of your life - a time of camaraderie, learning, creativity, adventure, fitness, personal growth and just plain fun (with access to quality healthcare, just in case).
		This honor recognizes these outstanding communities for promoting this new definition of retirement, and for providing their community members with "The World's Finest Active Retirement Living™".
	www.retirementresorts.com (135 words)

	Retirement information from Answerbag
		Then, subtract from that known retirement income such as social security or other retirement plans.
		As with any retirement account, you are subject to taxes and penalties if you withdraw your money before age 59½.
		Since this is pretax dollars, you do pay taxes on the earnings when you retire and begin to withdraw money.
	www.answerbag.com /c_view.php/182 (2082 words)

	Retirement speeches
		All orders for a RETIREMENT SPEECH are placed over our 100% safe and secure servers and your personal information is GUARANTEED to be safe.
		Each RETIREMENT SPEECH pack is delivered straight to your inbox 60 seconds after you place your order.
		Also each RETIREMENT SPEECH in the pack is also made available to you on a web page in case you don't have instant access to your email.
	www.speech-writers.com /retirement.htm (469 words)

	Today's Seniors ... Tips, News and Advice
		401k Retirement Plan – If you are still working, don't be like most people who forget they can earn free money for their retirement.
		Retirement Planning – Your "to do" list for a smooth transition into retirement.
		Working after Retirement – Whether it's a part-time job, volunteer work, or a second career, here's help to find work situations that are both financially and personally rewarding.
	www.todaysseniors.com (465 words)

	Arizona - Retirement Communities and Retirement Homes On The Retirement Net (Site not responding. Last check: 2007-11-06)
		The Retirement Net Premier retirement living featuring retirement communities and retirement homes in planned active developments.
		The Retirement Net is the most comprehensive resource of premier retirement communities throughout the world featuring site built homes, manufactured homes, assisted living facilities, planned active retirement communities and various retirement properties worldwide.
		See also: senior housing, retirement communities, retirement living, elder care network.
	www.retirenet.com /us/az (222 words)

	Retirement Homepage
		Planning Your Retirement - Each section of the Planning Your Retirement booklet has been converted into an HTML web page and has a corresponding PDF available for download.
		Register for the Completing Your Retirement Packet sessions - These small group sessions at the ERS building will help you complete the forms in your retirement packet.
		Additional Service Credit (ASC) - This credit purchase option allows eligible state employees to advance their earliest retirement eligibility date and increase the value of their standard annuity upon retirement.
	www.ers.state.tx.us /Retirement (352 words)

	Retirement Planning - Personal - National City Corporation
		That’s because if you’re like most Americans, the greatest portion of retirement funding will have to come from your personal savings and investments.
		You can plan for retirement with confidence, because a NatCity Investments** representative in your local branch will work with you to explore your present needs and future goals.
		What to do with your employer sponsored retirement plan when you change jobs or go to retire.
	www.nationalcity.com /personal/savingsinvesting/investments/RetirementPlanning (280 words)

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