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Does Your Life Include a RIPE Plan?--Part 1 (Retirement) By: Janet Hall: Does Your Life Include a RIPE Plan?—Planning Tips for Retirement, Investing, Protection, and Estate Planning – Part 1... alone! If you have no idea what you MIGHT have already accumulated into Social Security, FIND OUT! (Link for SSA in Re... CAN I AFFORD TO RETIRE? By: Peter F. Baigent CFP, CLU, CHFC, RFP: First Published Fall 1990Almost every day I get asked, "Can I afford to retire?" Although we have very sophisticated c... is often easy to achieve early retirement. It doesn't happen on its own, but nothing is impossible if you want it badly... An Economical Retirement Investment Plan By: Charles O'Melia: The practice of economy, directed toward a retirement investment plan in the stock market, is in itself a source of gr... forethought example: I want every stock market investment to supply me with ever-increasing cash for the rest of my li... A Dream Retirement Or A Rude-Awakening To Financial Reality? By: Noel Peebles: It would be fair to say that most people will find their incomes at least halved the instance they retire from the wor... Limited. http://www.instantsellbusiness.comhttp://www.instantsellhome.com ... 5 Tips To Keep Marital Bliss Alive After You Retire! By: Allie Ochs: Let’s face it retirement is a time of great transition for spouses. Ample free time and drastic lifestyle changes can... Love? Her book has received the honorable mention at the USA 2004 Best Book Awards. She has appeared on TV, Radio and... Does Your Life Include a RIPE Plan?—Planning Tips for Retirement, Investing, Protection, and Estate Planning – Part 1 (Retirement) Janet L. HallDoes Your Life Include a RIPE Plan?—Planning Tips for Retirement, Investing, Protection, and Estate Planning – Part 1 (Retirement) by: Janet L. Hall No matter what your age or years of work, it’s almost never too late to start planning for your retirement. As a matter of fact, the younger you are, the less chance you will have of becoming destitute, or a * bag * person. I’m not trying to be funny, it can happen to you if you don’t watch what you are doing and PLAN for the future. Ponder for a minute on the questions below: ~~ What kind of life do you want in your * golden years *? ~~ How will you use your retirement time, meaning, what activities, interests, or travel might you want to pursue? ~~ Will you need or want to change your housing and lifestyle completely or do you hope you can * stay where you are, doing the same things you’ve always done *? ~~ If you are planning on living in a different area, what are the standards of living in that area OR what are the chances of the standard of living increasing or decreasing where you are currently living? ~~ How might your health affect your retirement? ~~ Will you need to continue to work part-time after retirement to * make ends meet *? How will that affect your benefits? ~~ Do you want to start your own business, many people do after retirement, and how will that affect your benefits? ~~ What * support * systems do you have or need to have in place? If a company employs you, you need to FIND OUT: ~~ if they have a retirement plan (benefits), such as a pension or 401(k) ~~ what your TOTAL monthly or lump sum disbursement will be ~~ how much you can contribute ~~ length of service required to be eligible to collect benefits ~~ age required to be eligible to collect benefits ~~ if the plan will meet your needs/lifestyle after retirement Take the time and schedule an appointment with your employer’s * benefits person * and discuss YOUR retirement plan. Ask them about YOUR Statement Of Accrued Benefits (SAB). This is YOUR personal account and will tell you the benefits you can expect based on your salary and retirement time. If you’re self-employed, as many of us are, you need to establish your own retirement plan. The easiest plan is an IRA at which you can only contribute $2,000 yearly. If you’re young (years away from retirement) check out a non-deductible Roth IRA. Other plans include SIMPLE, SEP-IRA, and Keogh Plan. If you want to learn more about these plans, check our Reviews section near the end of the newsletter. Please don’t think you can live on Social Security (in the USA) alone! If you have no idea what you MIGHT have already accumulated into Social Security, FIND OUT! (Link for SSA in Reviews section) WARNING and a TIP: Just when you thought you were covered! One thing that can zap you financially is a divorce (I hope this never happens to you) and your pension plan could be one of your largest assets to be DIVIDED up (I’ve seen this happen). SO, if you’re married, I sincerely hope you stay so happily and forever after! Smiles, not Piles, Janet L. Hall Professional Organizer, Author, and Speaker http://www.overhall.com "If your current systems aren't working for you... get an "OverHall"!" The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author. She is the owner of OverHall Consulting, and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com Copyright (c) 2000 by OverHall Consulting P.O. Box 263, Port Republic, MD 20676 All Rights Reserved. Permission is granted to reproduce, copy, or distribute OverHall IT! or any articles by Janet L. Hall so long as article(s) is kept intact, this copyright notice, and full information about the author is attached. ABOUT THE AUTHOR The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author. She is the owner of OverHall Consulting, and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com Check below for additional Retirement Links and Information - SaveTexas Responds: War Relief Package ... systems had implemented DROP plans; including the Texas Teacher Retirement System.[8] Local police agencies which use ... - SavePensions & Investments: Texas Teacher Retirement System seeks deputy director to replace Ronnie Jung Access the article; 'Texas Teacher Retirement System seeks deputy director to replace Ronnie Jung' from Pensions & Investments; a publication in the field of Business & Finance; through LookSmart's FindArticles service. - SaveState Report May 1999 ... teachers the option of investing their money in either the Texas Teacher Retirement System or an IRA ... a member of the Texas Teacher Retirement System may transfer Texas Employees ... - SaveMemorandum To: All Part-Time Employees From: Diann V. Mason; Director of Human Resources RE: (PDF) ... Are you retired from the Texas Teacher Retirement System ... - SaveTEXAS TEACHERS RETIREMENT SYSTEM ... all college employees who meet the following definitions will be covered under the Texas Teacher Retirement System ... - Save403(b)wise : Features : Attorney Says Texas TRS Succumbed to Lobbyists Best source for unbiased 403(b) and TSA news and information. - SaveThe Facts ... Although the Texas Teacher Retirement System saw a 35 percent jump in the number of retirees from last ... already are covered by Texas Teacher Retirement System. For BISD; that's the ... - SaveNews The loss of $35.7 million by Texas Teacher Retirement System in the collapse of Enron affects more than current and retired teachers and staff. - SaveTeacher groups oppose retirement plan Teacher groups oppose retirement plan. By MICHAEL C. BURTON. Morris News Service. AUSTIN - Teacher groups oppose Gov. ... The $38 billion Texas Teacher Retirement System is one of the largest public pension funds in the nation; with more than ... - SaveKlein ISD 2005-2006 Salary Schedule for Texas Teacher Retirement System (TRS) Retirees (PDF) Klein ISD 2005-2006 Salary Schedule for Texas Teacher Retirement System (TRS) Retirees. Professional Employees: Classroom Teachers; Counselors; Librarians; Speech Pathologists; Nurses (RN); and High School Registrars - SaveBuzzFlash.com - BuzzFlash Reader Commentary - Enron and Texas and Florida Pensions ... The loss of $35.7 million by Texas Teacher Retirement System in the collapse of Enron affects more than current and ... - SaveTex. Att'y Gen. Op. No. JC-0043 (1999) -- John Cornyn Administration ... Program and Practices of the Texas Teacher Retirement System;" prepared by Independent Fiduciary ... and Practices of the Texas Teacher Retirement System 146-47 (1996) [hereinafter ... - Save1.5.2 RETIREMENT PLANS AND ANNUITIES ... and acts; and the rules and regulations of the Texas Teacher Retirement System and the University Board of Regents ... - SaveEmployment Main Page TRS Employment Main Page- links to TRS job opportunities; State of Texas application form; application procedures; helpful employment contacts; FAQs. - SaveTEXAS TECH (PDF) ... Have you ever contributed to the Texas Teacher Retirement System (TRS ... - SaveOff the Kuff: Teachers picket DeLay ... As such; she contributed to the Texas Teacher Retirement System (TRS). But she came to teaching later in ... she contributed to the Texas Teacher Retirement System (TRS). But she came ... |
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