Prosperity in Retirement

If you would like a prosperous retirement, here are a few prosperity quotes to place retirement prosperity in proper perspective: Added are some retirement quotes as well:

A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.
— Scott Cook

Americans have always been able to handle austerity and even adversity. Prosperity is what is doing us in.
— James Reston

Your prosperity will grow to the extent that you do. Your feeling of prosperity may require that you overcome the fear of leaving a secure job for a less secure job, with less pay, but a lot more freedom. Fact is, feeling more prosperous doesn’t necessarily mean earning more money. Sometimes it means earning less money.
— Ernie Zelinski author of How to Retire Happy, Wild, and Free

People who don't respect money don't have any.
— J. Paul Getty

When it comes to making more money, most people look at the world and see the same opportunity they’ve seen before: typically, a job. Because they don’t awaken their mind and expand their vision, they don’t see other opportunities. Yet opportunities do exist. So how do you change your thinking so you can see them? One way to jolt the brain out of its preconceived category thinking is to bombard it with new experiences.
— Joe Vitale

Social Security is a secure way to find great pleasure in being terribly deceived.
— E. Z. writing on his Redroom Author's Blog

Prosperity is, in large part, an attitude within an indvidual, who knows there are many opportunites, who knows that one has to capitalize on these opportunites, using one's creativity to transform these opportunities into things that benefit society, that end up rewarding the individual and makes the individual prosperous at the same time.
— Dave Erhard

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Retirement Planning Idiocy at Its Best

A poll in late 2007 showed that 80 percent of Americans believed their standard of living would go up after they stopped working, even if they decided to retire early.

So many Americans believed in this illusion despite the fact that some 40 percent of Americans had saved absolutely nothing for retirement.

Talk about a stupid retirement plan.

Contrast this to 2008, when the recession and market downturn hit. Then 63 percent of Americans said they had given up on the idea of retirement altogether.

While that finding was interesting, in April 2010 the Employee Benefits Research Institute's (EBRI) Retirement Confidence Survey last found that this percentage had jumped to 70 percent.

Interesting. It appears that more Americans are starting to face reality and realize that it takes at least a bit of money to be retired.

On another note, this was an unusual letter titled Retirees owe it to their kids to ease U.S. debt to the editor of the Washington Post regarding the Social Security System in the U.S.:

Why shouldn't retirees expect some reduction in Social Security and Medicare benefits, and soon? Before we retired, or will retire, we lived beyond our means by voting for those congressmen who would keep taxes low and borrow from the trust funds to pay government bills. Woe to the politician who would ask us to fully pay the taxes necessary for the services we expected from government.

This large accumulated debt to the funds is coming due. So we have an obligation to help pay it off by accepting less from them or paying higher taxes on our retirement income. As retirees, we have no right to just pass our debt off on our kids. We certainly helped create it and should help pay it off.

Werner Gruhl, Columbia

For an interesting on article on Social Security by Ernie Zelinski see:

“Social Security Is a Secure Way to Find Great Pleasue in Being Terribly Deceived”

Here are some Sensational Quotes about retirement:

Money is what you make it. Depending upon who you are — and your frame of mind — money can be anything you want it to be. Money can be: the root of all evil; or that which answers all things; or something that burns a hole in your pocket; or a means to freedom; or an interesting concept; or even a stupid concept. Whatever value you place on money, you must take responsibility for it. If money is evil to you, you created it being evil. If money is a problem to you, you created it being a problem. If money is joy to you, you created this concept. Take responsibility for your concepts. And be clear that these are just concepts. Nothing more and nothing less.
— from The Lazy Person's Guide to Success

"It [retirement] was absolutely boring. You can't go and say, 'I'm retired now.
That's it!' It won't take long and you're really gone for good and someone
throws the last shovel of dirt on a coffin with your name on it.
That's the moment you're really retiring — when you die."
— Ozzy Osbourne

"I personally am taking my retirement savings seriously and have by living very frugally been able to increase my savings to 60 percent of my gross earnings. I’m targeting a very early retirement. Achieving this high rate has been partly achieved by watching my Lifestyle Creep as you identify in Point 5. As I achieve pay increases I have actively decided not to change my standard of living."
— Comment on an article about retirement planning

Webster’s Dictionary defines retirement as “withdrawal from active engagement in one’s occupation or profession.” It is in fact much more.
— LYNN ANDERSON, Kansas Senior Press Service

Saving Only 10 Percent of Your Income Is for Losers

Here is an excerpt from a retirement planning article about how hard retirees are finding to make it in this day and age:

"The man who runs Palm Beach Share-n-Care Centre, where retirees and the aged to gather for events and activities, said pensioners hit hard by superannuation funds had to pull back on their favourite pleasures.

"You can tell in the bingo, they're not spending as much as they normally would," said Mr McRae.

"That's normally a pretty good indicator of how well people are doing.

"There's a lot of pensioners doing it tough at the moment. There's probably a lot who have done money in the stock exchange."

Plans for overseas holidays have been cut indefinitely, largely because nest eggs have evaporated, and the number of those on the borderline to poverty has increased, he said.

Financial advisors advocate that you use a simple retirement calculator to determine how much retirement income you will need before you submit your retirement letter. The exercise in determining how much money you will need for retirement will not result in perfect information, however.

Even if people could come up with perfect information, most people won't make use of this information because they aren't about to increase their savings much, if at all.

There are two problems conditions that most North Americans suffer from:

1. A need is any luxury that their neighbor happens to have.

2. Instant gratification takes too long.

Ernie Zelinski has just started writing a book called How NOT to Retire BROKE in which he is going to make the point that saving 10 percent of your income is for losers and people should save at least 40 percent of their income so that they end up with an adequate retirement income.

I was delighted to hear that someone is doing even better with their saving rate than Zelinski proposes.

On January 17, 2010, in reply to a blog post "5 Reasons Why You Will Retire Broke and Unhappy," an individual who writes his or her own blog post called Retirement Investing today stated:

"I personally am taking my retirement savings seriously and have by living very frugally been able to increase my savings to 60 percent of my gross earnings. I’m targeting a very early retirement. Achieving this high rate has been partly achieved by watching my Lifestyle Creep as you identify in Point 5. As I achieve pay increases I have actively decided not to change my standard of living."

In short, knowing how much money people need to retire comfortably will do them absolutely no good if they can't handle money.

It was J.P. Getty who said, "People who don't respect money don't have any."

Check out David Letterman's Retirement Plan of David Letterman

Here are a few new retirement sayings

I have retired, un retired, and retired again all in the past 10 years.
— Unknown retiree

“We’ll rock till we drop. We have all agreed this won’t be the last time. Everyone’s rocking."
— Ronnie Wood, (in July 2010 at age 63, in response to rumors that the Rolling Stores were going to retire. At the time, lead singer Mick Jagger was 67, guitarist Keith Richards was 66, and drummer Charlie Watts was 69.)


"It [retirement] was absolutely boring. You can't go and say, 'I'm retired now. That's it!' It won't take long and you're really gone for good and someone throws the last shovel of dirt on a coffin with your name on it. That's the moment you're really retiring — whenyou die."
— Ozzy Osbourne

Reasons Why You Will Love Retirement

Here are some entries from 365 Reasons Why You Will Love Retirement

You get to fill your days with healthy retirement activities — such as swimming, bicycling, excerciing, and yoga — instead of unhealthy, stress-filled work activities such as meetings, boring tasks, and commuting.

If you don't feel like doing anything at all except lounging around your apartment — that's exactly what you get to do.

You no longer have to be nice to all those ex-coworkers who you didn't like all that much. Better still, you can send them anonymous nasty e-mails every day.

Here are some retirement quotes for retirees that will help them retire happy, wild, and free:

The secret of life is to appreciate the pleasure of being terribly, terribly deceived.
— Oscar Wilde

Webster’s Dictionary defines retirement as “withdrawal from active engagement in one’s occupation or profession.” It is in fact much more.
— Lynn Anderson

Retirement is a process, not an event.
— Unknown wise person

If I wanted to become a tramp, I would seek information and advice from the most successful tramp I could find. If I wanted to become a failure, I would seek advice from men who have never succeeded. If I wanted to succeed in all things, I would look around me for those who are succeeding, and do as they have done.
— Joseph Marshall Wade

Bad Retirement News for Today's Retirees

1. Bad economy has retirees rejoining the work force
KHOU - Houston,TX,USA

These days, for a lot of retirees, the two go hand in hand. “It’s really hard out here for a senior. When you’re retired, when you have everything all set ...

2. Working in Retirement: The New Reality
Metropolitan News-Enterprise - Los Angeles,CA,USA

The goal of the committee was the creation of a retirement planning process termed “planning for living the rest of your life.” This committee worked under ...

Most People in India Don’t Do Any Retirement Planning

A MetLife India Insurance survey has pointed out that most of people in India do not plan for the life after retirement. Indeed, 80% of Indians don’t do any retirement planning independent of any mandatory government plans. Despite worry about comfortable life after retirement; they do a little to plan for life after retirement.

Many full time workers in developing and also in mature economies have taken a few steps to plan their life after retirement. MetLife’s Rajesh Relan has released these findings of the surveys.

According to traditions of Indian society, a family would take care of its older members. But with demographic mobility young people are relocating themselves to areas other than their home base. Thus this safety net in families is getting weak with time in developing economies. This socio problem will only be solved if people would plan their life after retirement.

Life expectancies around the globe continue to rise with increase of food and oil prices in international market. Pension reforms are putting more responsibility on employees to fund their own retirements.

Lack of independent retirement preparedness is especially worrisome in both developing and mature economies. The number of employees who plans for retirement is also low in developed countries like Australia (58%), the US (46%) and the UK (31%). the UK was "most financially fit" and ahead of the other countries where 71% people workforce have taken steps to manage their retirement life. 69% have just started to plan about needs after retirement. The aim of GFK survey is to highlight the financial needs, habits and perceptions of employees and employers in India, Mexico, Australia, the UK and the US.

WARNING! WARNING! WARNING!

Retirement is a double-edged sword. You either make it work for you - or it will cut your happiness in half. The more you know about the secrets to a successful retirement, the happier you will be once you retire.

That's why you need The World's Best Retirement Book by Vipbooks Ernie Zelinski.



Over 110,000 Copies Sold
Published in 7 Foreign Languages

How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won't Get from Your Financial Advisor is a provocative, entertaining, down-to-earth, and tremendously inspiring book that will help you get more joy and satisfaction out of all your retirement activities.

Although turned down by over 35 publishers, How to Retire Happy, Wild, and Free has already sold over 110,000 copies and has been published in 7 foreign languages since it was released.

What's more, go to www.Amazon.com and type "retirement" into the search feature. You will see that How to Retire Happy, Wild, and Free appears in the number 1 position - out of over 175,000 listings for retirement books!


Check out these Retirement Planning Resources:

Funny Retirement Quotes

Retirement Wishes and Sentiments

Retirement Wishes and Retirement Toasts

Funny Retirement Poems

Retirement Cake Sayings and Pary Ideas

Ideas for Retirement Parties

Retirement Planning Basics

When happy and successful retirees are asked what advice they would offer to a person just entering retirement, most will respond with a variation of Spend as much — or considerably more — time thinking about how you will utilize your days and months as you do contemplating your finances. As one retiree told a newspaper reporter, "Retirement could well represent 25 percent or more of your whole life. Why leave it to chance?

Top Five Replies from Retirees to the Question: "What Would You Do If You Could Replan Retirement?"

• Save more or save less money - 39 percent
• Take better care of their health - 29 percent
• Live closer to their children - 24 percent
• Retire earlier - 23 percent
• Get involved in more hobbies - 21 percent
  

How to Retire Happy, Wild, and Free — The World's Best Retirement Gift

Over 90,000 Copies Sold

Published in 7 Foreign Languages

5 Reasons You Want to Receive How to Retire Happy, Wild, and Free as One of Your Retirement Gifts

1. You want to have a good day - everyday - when you retire!

2. You "Absolutely, Positively" want to retire happy, wild, and free.

3. You want to inspire yourself with new accomplishments once you retire.

4. You want to gain the courage to take early retirement - in fact, the earlier, the better.

5. You have always wanted to fire your boss and take control of your destiny.

Purchase How to Retire Happy, Wild, and Free on Amazon.com before you submit your retirement letter with this direct link:

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The Joy of Not Working — The World's Second Ideal Retirement Gift

Over 225,000 Copies Sold
Published in 17 Languages


Like The Bible, The Joy of Not Working tells you everything you need to know to resolve your Life crisis, but doesn't exclude humor in its presentation. Check Chapter 7, "Lighting the Fire Rather than Being Warmed by It", pages 118-120, for a list of 200 activities for your consideration.

— Helga Roberts writing on AuthorsDen.com


Purchase The Joy of Not Working on Amazon.com with this direct link:

The Joy of Not Working on Amazon.com

Retirement Planning Articles

Retirees Urged to Watch Out for Detoothers

The UPDF 3rd Division commander, Brig. Patrick Kankiriho, has advised retiring soldiers to watch out for spouses who love lavish lifestyles.

"If your spouse is a spendthrift and is not willing to adjust, abandon her, as she is bound to lead you into misery."

He made the remarks on Friday during a function at Rubongi Barracks in Tororo district where 57 UPDF soldiers retired. He told the retirees that they had left the army with a modest financial package which they should invest wisely.

"Irresponsible spouses are planning how best they can get a fair share of the money you have worked for before eloping away with other men."

He added that such women prefer staying in the cities. "She will insist that you rent an apartment in town then she will lure you into spending money on luxuries till it is finished."

Kankiriho also cautioned the soldiers against over drinking. "If you do that, you will never regret why you retired from the force," he added.

This bit is a great Singles Advantage to add to the revised edition of The Joy of Not Being Married:





Over 90,000 Copies Sold
Published in 7 Foreign Languages

Purchase How to Retire Happy, Wild, and Free on Amazon.com before you submit your retirement letter with this direct link:

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Retirement Articles and Resources



1. Retirement Planning Tip - Retire to Where Retirement Living Is Best! - American Chronicle Retirement Articles by Ernie Zelinski - Soon retirement day will have come and gone. For your many years of service to the organization, you will have received congratulations from co-workers, a gold watch, and perhaps even a book on how to retire happily. If you are one of the fortunate ones, a generous company pension, government social security, and investments will give you the opportunity to pursue many interesting activities. According to financial experts, you will have it made. Indeed, you should live happily ever after. Not so fast!

2. Magical Retirement Planning - Make Retirement the Beginning of Life, Not the End! - American Chronicle Retirement Articles by Ernie Zelinski - PARADISE apparently isn't in the United States, at least for people planning to retire. In fact, almost 500,000 retired Americans live outside the United States, in places like Mexico, Thailand, Costa Rica, Panama, and Portugal.

3.Retire Happy Before You Expire! - Positive Retirement Quotes to Help You Do So - American Chronicle Retirement Articles by Ernie Zelinski - Retirement can be the best time of our lives. Unfortunately, the first part of many people's lives is wasted on boring work and the last part is wasted on a boring retirement. The good news, however, is that many more people enjoy retirement than those who don't.

4. Dynamic Retirement Living - Being Over the Hill Means Picking Up Speed! - Best Syndication Retirement Articles by Ernie Zelinski - Thinking young can help you to stay busily and happily involved in your so-called retirement years. Here are examples of several elderly people who kept active in their "retirement" years:

5. Your Magical Retirement Plan - Retire to Where Retirement Living Is Best! - Best Syndication Retirement Articles by Ernie Zelinski - Whether retirement is a distant dream, just around the corner, or if you are already retired, give some consideration in your retirement plan to living and traveling in a country other than where you are today.

6. Retirement Planning Tips on the Best Places to Retire - There are three other main motives why retirees may move to a new location. The first is to relocate to a beautiful location with a better climate and find refuge there. It can be a place formerly reserved for annual vacations somewhere close to the mountains, beside the ocean, or in a nice warm climate.

7. Top-Ten Inspirational Retirement Quotes to Help You Retire Happy, Wild, and Free - Amazines Retirement Articles by Ernie Zelinski - Unfortunately, retirement often gets a bad rap from many media people and other individuals who themselves have not been able to successfully cope with retirement. Fortunately, however, people who can't cope with retirement are in the minority. "Retirement works out quite well for people," states Joel Savishinsky, a professor at Ithaca College.

8. SelfGrowth.com - Retire Early So That You Can Retire Happy Before You Expire! - Positive Retirement Quotes to Help You Do So - Retirement can be the best time of our lives. Unfortunately, the first part of many people's lives is wasted on boring work and the last part is wasted on a boring retirement. The good news, however, is that many more people enjoy retirement than those who don't.

Clearly, retirement can be a challenging life transition, either financially or personally. Many people have lots of time on their hands, but way too little money. Others have lots of money, but don't know what to do with their time.

In this regard, Samuel Johnson declared, "Money and time are the heaviest burdens of life and the unhappiest of all mortals are those who have more of either than they know how to use."

9. SelfGrowth.com: How To Absolutely, Positively Make Retirement The Beginning Of Life - And Not The End! - In the course of a lifetime people pick up the knowledge and skills to build careers, raise their families, and accumulate material possessions. But not much of that prepares them for life in retirement. How do they handle leisure time? How do they keep their minds in tiptop shape? How do they adjust to a life without structure and purpose?

Fact is, retirement planning for the separation from work requires mental and spiritual planning more than most people realize. A long-term retirement plan to achieve your retirement goals is essential if you want a meaningful and productive retirement. The degree to which you plan beforehand how you are going to spend the bulk of your free time will determine how much fulfillment you experience in retirement.

So what's your retirement plan look like? If you are like most people contemplating retirement, you may have given some thought to the financial aspects of retirement planning but absolutely no consideration to the personal aspects.

Visit one of These Websites:

The Retirement Quotes Cafe

The Best Places to Retire in the World