retirement REVIEW |
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in kent longfield retirement village |
teacher early retirementIt would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.
Warner's focus is on the whole person - he makes a very compelling argument that money is a FACTOR in a good retirement, but that it is also important to cultivate health, outside interests, friendships and family. He believes these latter factors have a FAR greater influence on a successful retirement than money. He bases this viewpoint on research among those enjoying active, successful retirements. Warner is not a Pollyanna, saying not to even think about retirement savings (as some critics seem to suggest). The book contains some common sense ideas on savings and admits that having SOME money may help. Warner's point, however, is that money alone isn't going to make you have a successful retirement if you neglected your family, friends, outside interests, spirituality and health in order to get the money. I highly recommend this book to anyone who ever thinks about retirement. You may not agree with the proposition, but the book will really help expand your view of the elements of a good retirement and may help you plan a more enjoyable life.
Greider's thesis boils down to the "global excess supply" nostrum - and it's based not only on a fundamental misunderstanding of economics but also on straightforward innumeracy and an inability to think critically. As Keynes tells us, wages reflect the marginal product of labour. Any increased production in the Third World must *go somewhere*, in the form of increased income either to labour (wages) or capital (profits). That increased income must be either spent or saved - so if there really were inadequate aggregate demand (or equivalently excess capacity) then we would expect savings to exceed profitable investment opportunities. Do they? Well, Greider provides no evidence - which is unsurprising.... Greider's economic analysis is thus wrong - indeed, absurd and intellectual disreputable. His policy recommendations derived from his wrong-headed arguments are downright destructive, however. They amount to a recipe for a misallocation of scarce resources to unproductive uses and a hike in inflation. There could be few more damaging courses for the developing world, or surer ways to cut real wages and depress living standards. But then the identity of interest between the far Left (Chomsky, Nader etc.) and the far Right (Pat Buchanan) has never had logic or reason on its side.
Too many self-help books focus on helping you get more money or more out of your money, but ignore the costs in terms of the time, attention, effort and stress involved. Invest in Yourself looks beyond that overly-narrow focus. That's the good news about this book. The bad news about this book is that it has taken on more than one book can hope to fully deliver on. I hope the authors come out with sequels that expand and magnify what is here. The six secrets are: (1) Make your own lifestyle decisions. (2) Put your family first. (3) Wherever you work, be in business for yourself. (4) Make the most of the money you bring home. (5) Turn your debts into golden investment opportunities. (6) Map out your financial future. The three authors have an unusual perspective. They have dropped out of the "get ahead at the office" rat race and "shop until you drop" lifestyles much more than most. As a result, they have lots of money-saving ideas based on their own life experiences. Much of what is in the book, Walt Disney's Uncle Scrooge would approve of. If you are like me, you will find money-saving ideas that would never have occurred to you, otherwise. My parents have always shopped are yard sales, but it had never occurred to me to use these routinely for the kind of around-the-house items that I will seldom use like unusual garden tools. One of the strengths of the book is that it is not a "one size fits all" approach. They realize that each person will have a different set of life goals, and the advice is couched to accommodate that. I also liked the way that the book challenged the automatic assumptions that many make: Career comes first; job comes first; exciting consumer experiences are a main reward for success; and only the best will do. By having three authors, the perspectives and ideas were much more varied than I have seen in other, somewhat-similar self-help books. That also was a strength. The weakest section was the last one on mapping out your financial future. Almost everyone will need more guidance than is here. That's the bad news. The good news is that there are lots of books about creating financial plans that you can use to supplement this one. On the other hand, those who buy into the traditional American Dream and will happily pay the price for economic success will find less in this book than will those independent souls who listen to their own intuition for guidance. Despite ideas for making penny-pinching fun, it's not going to be fun for everyone. I do applaud pointing out how saving money for essentials is far more valuable than expanding income due to the income tax effects on progressive income. The advice about paying off your expensive debt is pretty standard, but I liked the way it was couched in terms of thinking of it as a high return investment. I hope you will not only read this book, but apply its lessons. As you do, I encourage you to expand your perspective even more broadly than the book does. What other areas do you have important values in, besides time, money, and energy? How can those values be honored in your tradeoffs? The more you do this, the better life you will have . . . the richer your life will be in terms of its effect on those around you. Enjoy, live long, and prosper!
Mr. Kelley's The Complete Guide to a Creative Retirement is a resource that addresses the issues very well that retired people have told me about. I heartily recommend it to everyone who would like to retire in the next ten years . . . and to those who are recently retired. The book is organized into two sections. In section one, you are given ideas for thinking about retirement in new and more productive ways. Section two is a resource guide to help those with different orientations (organizers, creative people, socializers, intellectuals, volunteers and caregivers, nature lovers, athletes, and those who would like to keep working past the normal retirement age). In chapter one, Mr. Kelley compares the frustrations of many retirements that were not planned (such as after being "downsized") with those who had planned creatively for retirement, and found their golden years to be an improvement in their lives. In chapter two, you will learn the 12 strategies for retirement. 1. Maintain as much of your daily routine as you can. The first section goes on to help you see choices that you may not have considered, explains how to adjust in retirement in your relationships with your spouse and friends, and gives you a planning guide that you can fill out to begin your thinking. The second section isn't as exhaustive as it might have been, but there are enough ideas to get you started. I'm sure it will stimulate you to come up with even better choices that fit your circumstances best. Don't be afraid to think of yourself as having more than one dimension (you may be an athlete and a socializer). I also encourage you to share this book with your spouse, family members and friends. They may be able to help you develop better choices after having considered the book. After you are done, I suggest that you think about how you could help others have a better retirement as well.
1. Time to Scrap Teachers' Early Retirement Plan | Article
06-DEC-04 - The state of Illinois is saddled with a multibillion-dollar pension mess, the result of years of failing to set aside enough money to... | Free With Signup 2. Retirement - Wikipedia, the free encyclopedia (Redirected from Early retirement) Jump to: navigation, search ... In 2007, retirement age for teachers in France is thirty eight years after ... 3. House of Commons Hansard Written Answers for 17 Apr 2007 (pt 0012) Teachers: ... of teachers in the leadership group have taken early retirement in each of ... was that many more teachers took early retirement in 1997 than in ... 4. Lambeth Teacher with Lambeth NUT Lambeth%20Teacher%20published 5. Twice as many teachers retiring early - Telegraph The number of teachers taking early retirement has almost doubled in seven years, new figures have revealed. ... early retirement are head teachers, ... 6. 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Swansea Council is to push forward negotiations with teacher trade unions on the issue of early retirement and redundancy payments to teachers. 11. Editorial: Mini-victory | Article | TES Pouring quick-drying cement into the teachers' early retirement escape tunnel was always going to be a risky business for the Government. It's not unknown, after ... 12. NUT on the Web More teachers taking early retirement, study shows ... of secondary school teachers taking early retirement has increased by 93 ... 13. EARLY RETIREMENT ON GROUNDS OF HEALTH ... advice is that a teacher contemplating early retirement on health grounds should ... ON GROUNDS OF HEALTH. GUIDANCE FROM THE NATIONAL UNION OF TEACHERS ... 14. PERS Plan 2/3: Thinking about retiring early ... PERS, TRS and SERS Plan 2 and Plan 3 members who are thinking about retiring early ... (PERS), Teachers' (TRS) and School Employees' (SERS) Retirement Systems ... 15. Superannuation arrangements for Australian teachers and their impact on ... provide any great inducement for early retirement. A minority of teachers in the scheme ... teachers have provisions favourable to early retirement ... 16. BBC NEWS | UK | Education | More teachers are retiring early The number of teachers in England taking early retirement is rising steadily, government figures show. ... Early retirement in the private sector has also ... 17. State ERI EARLY RETIREMENT INCENTIVE (ERI) FOR STATE EMPLOYEES ... Public Employees' Retirement System (PERS), Teachers' Pension and Annuity Fund (TPAF) ... 18. Teachers taking early retirement up nearly 50% - Times Online The number of teachers taking early retirement in England has almost doubled in ... Teachers taking early retirement up nearly 50% Alexandra Blair, Education ... 19. ARKANSAS TEACHER RETIREMENT SYSTEM - Early Retirement Early retirement with a reduction in the benefit formula allows an active member ... Early retirement benefits are calculated using the benefit formula, then ... 20. New Jersey Division of Pensions and Benefits This legislation provides an Early Retirement Incentive (ERI) program for ... member of either the Public Employees' Retirement System (PERS) or the Teachers' ... 21. Teacher Retirement System Teacher Retirement System. Road to Retirement. Retirement is an individual decision that only you can make. ... The key is to get started early. ... 22. Early Retirement - University of Wisconsin System Employee Benefits ARE YOU CONSIDERING EARLY RETIREMENT? If you've been thinking about early retirement, this question and answer guide ... For general employees and teachers: ... 23. Postal Retirement Information from PostalReporter.com- postal retirement-voluntary early out info for postal employees ... Congress has applied to the Social Security benefits of feds (teachers, cops, ... 24. 15-DEC-04 | Fence Post Price: $4.95 | Story and editorial missed key elements Your recent article and editorial on the early retirement option (ERO) offered by the Illinois Teacher... 25. CNNfyi.com - Prepare for early retirement while 'time is on our side ... To make early retirement a reality, you'll need to put together a high-octane ... To retire early means having enough money to live on starting in your mid-50s. ... 26. How to Retire in Your 30s - wikiHow ... nest-egg income to live really well, even on a teacher's salary, for instance. ... Greenspun.com: Nice article about the pros and cons of early retirement ... 27. Teachers' Guide - Employers' Guide - Appendix 5 - Early Retirement ... Early Retirement Factors for NPA 60 members pre 1 October 2007. Employers' Guide ... Appendix 5 - Early Retirement Factors. Appendix 6 - Pension increase factors ... 28. 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Shephard denies pensions climbdown | Article | TES The Government has been forced to modify its clampdown on teachers' early retirement, following a challenge in the High Court by the Association of Teachers and ... 33. Building Your Future Teacher Retirement System. of Texas. Benefit Presentation. UPDATED 01/23/06 ... Early Age Service Retirement ... as an early. retirement incentive, fringe ... 34. TRB: Early Retirement Early Retirement Abstract: E:\portal\TRB\activeteacher 35. RETIREMENT BILL ON HOLD NO EARLY-OUT FOR TEACHERS A new bill that could lead to the retirement of thousands of veteran city teachers will not be acted upon right away, lifting the threat it will disrupt the start of ... 36. TeacherNet, A to Z of School Leadership - Retirement on grounds of ill ... To satisfy the criteria for early retirement on grounds of ill health, it is ... present until the Teachers' Pension Scheme's normal retirement age of 60. This ... 37. 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