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The Teachers (Compensation for Redundancy and Premature Retirement) Regulations 1997 (Statutory Instruments: 1997: 311)

The Teachers (Compensation for Redundancy and Premature Retirement) Regulations 1997 (Statutory Instruments: 1997: 311)

The Social Security (Graduated Retirement Benefit) Amendment Regulations 1991 (Statutory Instruments: 1991: 2707)

The Social Security (Graduated Retirement Benefit) Amendment Regulations 1991 (Statutory Instruments: 1991: 2707)

Prime Time: How Baby Boomers Will Revolutionize Retirement and Transform America

Prime Time: How Baby Boomers Will Revolutionize Retirement and Transform America This “inspiring, informative, mind-opening book” (New York Times) provides a new vision on aging, retirement, and the role of older Americans in the 21st century. Over the next three decades, the number of Americans over fifty will double, swelling to more than a quarter of the population. Already we are living thirty years longer than a century ago, with further gains expected in the coming years. The end result is a new stage of life, one as long or longer than childhood or middle age in duration, and one spent in unprecedented good health. Yet, as individuals, and as a society, we’ve shown little imagination or wisdom in using this great gift of a third age. Marc Freedman identifies the new longevity as not a problem to be solved, but an opportunity to be seized-provided we can engage the experience, talent, and idealism of older Americans. At a juncture when the middle-generation faces a time-famine, struggling to simultaneously raise kids and work long hours on the job, the older generation is awash in free time, poised to succeed women as the trustees of civic life in this country. In the process they stand to find new meaning and purpose in their lives, and abandon the limbo-like state unfulfilling for so many older individuals. Freedman argues that the aging phenomenon, the massive transformation that many portray as our downfall, may in fact be our best hope for renewal as a nation.
Customer Review: Just the message we need
The aging of America is upon us. Boomers will start turning 60 on January 1, 2006.

To read the papers, you would think that this event is going to be the start of a long gray sunset in which older adults suck the money out of the federal treasury and life out of our communities. Freedman’s lively book suggests a different and much more optimistic view in which people who have finished their midlife careers can make great new contributions.

We have plenty of problems that need solving in our communities and in our country. Freedman shows us how older adults might play a huge role in meeting those challenges, and at the same time have an enriching experience in doing so.

A must read for anyone who is interested in what our society will look like over the next few decades.
Customer Review: It’s about time!
Freedman is a refreshing voice who puts a welcome human face on the aging of our society–a topic most often dealt with through dire statistical predictions and paranoia. Prime Time illustrates that, while the demographic revolution is real, a negative whammy on America doesn’t have to be the result. The profiles of everyday heroes reveal the classic American values of ingenuity and social concern applied through a new generation of retirement-age people. The perspective on the formation of the notion of “golden years” is informative. The succinct reporting of the prevailing social value attached to older Americans from the Puritan era (revered sources of wisdom) to more recent decades (keepers of leisure time) is important. And the telling of the selling of Sun City is a hoot–an “only in America” tale that provides lots of context for understanding society’s ambivalence and confusion in dealing with the opportunity and challenges inherent in an aging population. This is a good book for anyone interested in new visions for an older country.

High Expectations & False Dreams: One Hundred Years of Stock Market History Applied to Retirement Planning

High Expectations & False Dreams: One Hundred Years of Stock Market History Applied to Retirement Planning – How much is enough for your retirement?
– Will your portfolio expire before you do?
– Are your retirement dreams appearing more and more to be false dreams?

A fresh look at retirement portfolios, based on one hundred years of market history. Extensive research using real data from 1900 to 1999 reveals that your retirement plan may be too optimistic.

Different techniques are analyzed for optimizing your portfolio. Empirical data reveals what you can expect from markets, setting aside all the hype from the financial-media complex.

You can also download a free retirement spreadsheet to estimate your best and worst-case scenarios after retirement.
Customer Review: If You Invest, Buy This Book!
Jim Otar first came to my attention when I read his article explaining variable annuities with guaranteed minimum withdrawal benefits in the Advisor’s Edge Report.

It so impressed me with its cogency, and clarity that I wanted to read more of this author’s thinking. So I bought his book, “High Expectations & False Dreams”.

I read it completely on the day it arrived, and was only slightly disappointed.

The same logic I saw in his article pervades Mr. Otar’s book. In it he applies such investment concepts as asset allocation, dollar-cost averaging, and cyclical investing to one hundred years of stock market history.

A lot of mathematical analysis went into the results, but he graphs them all to produce an easy read.

I was most impressed with his “Fingerprinting” of mutual funds to discover which funds to keep (or buy), and which to drop (or ignore). He explains this technique in such a way that it is easily reproduced by anyone familiar with spreadsheets. An important benefit, as you will want to keep tracking those you buy, so you know when to drop them.

In his wrap-up he tells which investment methods are the most potent boosters of portfolio longevity.

I recommend this book to anyone who wonders if his investments will adequately sustain him during retirement, and how to keep them going as long as possible.

It’s rigorously based on empirical data, which I found a more credible approach than any others on investing and retirement.

My only disappointment is that I wished he’d explained how to optimize the benefits of a RRIF, a Canadian retirement device. But as his book is intended for a wider audience than just Canadians, one can understand its omission.

As a financial planner with over half a century’s experience I’ve read a lot of books about retirement and investing. This is the most believable of them all.

Buy it!

Don Pooley, CFP, CLU, CHFP

Managing Retirement: The Surprising Opportunities and Challenges.

Managing Retirement: The Surprising Opportunities and Challenges.

The New Retirement: Financial Strategies For Life After Work

The New Retirement: Financial Strategies For Life After Work In The New Retirement, Dian Cohen delivers a wake-up call to Canadians who mistakenly believe that the old rules of retirement will still apply in the new economy. There are profound changes happening in our society, and these changes will affect when, how, and even IF we retire.

In the first part of her book, Cohen examines and destroys some of the myths on which we base our future planning. These myths include:

¸  The myth of the job (working 45 years for one company and receiving a company pension)

¸  The myth of viable, universal pensions

¸  The myth of universal health care.

The second part of the book provides options, alternatives and solutions for managing retirement in our changing society. The nuts and bolts of devising a personal plan are clearly laid out, as are saving strategies and investment options. Cohen offers reminders on how to avoid paying too much tax and alternative ways of planning your estate so that people you care about benefit from your assets, and Revenue Canada doesn’t get the lion’s share.

Most importantly, The New Retirement illuminates the importance of having a smart strategy and planning ahead. And it’s never too late. “What’s the best time to plant a tree? Twenty-five years ago. What’s the next best time? Today.”

Baby boomers’ new retirement ideas.(Society): An article from: The Futurist

Baby boomers’ new retirement ideas.(Society): An article from: The Futurist This digital document is an article from The Futurist, published by World Future Society on July 1, 2004. The length of the article is 460 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Baby boomers’ new retirement ideas.(Society)
Publication: The Futurist (Magazine/Journal)
Date: July 1, 2004
Publisher: World Future Society
Volume: 38 Issue: 4 Page: 17(2)

Distributed by Thomson Gale

Official Code of Georgia Annotated (TITLE 47 Retirement and Pensions, VOLUME 35)

Official Code of Georgia Annotated (TITLE 47 Retirement and Pensions, VOLUME 35)

Few changes among top property managers: favorable ruling confirms ownership for ATRS pension fund.(List Overview)(Arkansas Teacher Retirement System): An article from: Arkansas Business

Few changes among top property managers: favorable ruling confirms ownership for ATRS pension fund.(List Overview)(Arkansas Teacher Retirement System): An article from: Arkansas Business This digital document is an article from Arkansas Business, published by Journal Publishing, Inc. on September 20, 2004. The length of the article is 535 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Few changes among top property managers: favorable ruling confirms ownership for ATRS pension fund.(List Overview)(Arkansas Teacher Retirement System)
Author: George Waldon
Publication: Arkansas Business (Magazine/Journal)
Date: September 20, 2004
Publisher: Journal Publishing, Inc.
Volume: 21 Issue: 38 Page: 24(1)

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More teachers exit over PERS uncertainty.(Schools)(The changes in the state retirement system have more educators stepping aside as soon as they qualify … from: The Register-Guard (Eugene, OR)

More teachers exit over PERS uncertainty.(Schools)(The changes in the state retirement system have more educators stepping aside as soon as they qualify … from: The Register-Guard (Eugene, OR) This digital document is an article from The Register-Guard (Eugene, OR), published by The Register Guard on June 21, 2004. The length of the article is 1077 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: More teachers exit over PERS uncertainty.(Schools)(The changes in the state retirement system have more educators stepping aside as soon as they qualify for pensions)
Publication: The Register-Guard (Eugene, OR) (Newspaper)
Date: June 21, 2004
Publisher: The Register Guard
Page: b1

Distributed by Thomson Gale

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