Creative People Are Not Necessarily Smart and They Cerrtainly Are Not Nice

David Ogilvy was widely regarded as a genius – so much so that he wondered it if were true. After all, he reported, he had flunked out of Oxford. He decided to find out exactly how smart he was, expecting to have an IQ around 145. He scored 96 (Business Strategy Review, 2005).

Gelade (1997) gave a personality test to people in creative jobs (58 individuals in creative departments of prominent UK advertising agencies and small design groups) and compared them with 70 managers in mainstream UK corporations with jobs that were not obviously in need of creativity. The creative people scored much higher on neuroticism, hostility, and depression.

As one researcher noted after reviewing research studies, creative people are not "nice."

See:

Creative Promotional and Free Giveaways by VIP BOOKS

The Joy of Thinking Big

25 Reasons Why Retirement Rocks and Work Doesn't

Retirement for Creative and Innovative People

Where Is the Market for Retirement Books?

Question:

So where is the market for a retirement book such as How to Retire Happy, Wild, and Free by Ernie J. Zelinski or a quasi retirement book such as Career Success Without a Real Job?

Answer:

• There are now 76 million baby boomers in the U.S. nearing retirement.


• In the next six years, nearly 2 million teachers are expected to retire in the U.S.


• In the next five years, over a third of federal government employees in Canada are expected to retire. In New Brunswick, half of the provincial government managers are expected to retire in the next seven years.


• Within the next three years, nearly half of government executives in the U.S. are slated to retire. (From an article on MSN.com called Six Hot Fields to Consider by Barbara Reinhold)


• There are 35 million Americans over 65, and that number will grow to 62 million by 2025.


• However, let's not forget the people from 45 to 65. Many of these people are either contemplating retirement, have sem-retired, or have fully retired at an earlier age.
  
  Here are Two New Retirement Quotes for Retirees:
  
  
Life begins when the kids move out and the cat gets run over.
— Author Unknown

An inordinate passion for pleasure is the secret of remaining young.
— Oscar Wilde

Check out the:

How to Retire Happy - Promotional Giveaway Edition

Quintessential Careers Review of How to Retire Happy, Wild, and Free

End of Recession Will Not Bring Back Retirement Spending

Even after the recession ends, Americans said their spending will return to just 86% of pre-recession levels, according to a survey by AlixPartners, a global business-advisory firm.

The spending drop will equate to an approximate 10% drop, or more than $1 trillion annually, in GDP, according to a press release of the survey results.

Survey participants estimated that their retirement savings have dropped an average of 25%, and almost a quarter of those polled (22%) said they now plan to retire later than previously expected. Among that number, the expected retirement age jumped 3.6 years to older than age 65. When asked why they now expected to retire later, 30% cited loss of savings or retirement.

AlixPartners said that the huge Baby Boomer generation—once thought to be moving into the years in which they would be spending their retirement savings—might instead be accounting for more than a third (35%) of total dollars saved by Americans post-recession.

If the recession has meant you are unemployed there is still hope.

If you would like to create your dream job or operate a micro-business, you need to read Career Success Without a Real Job.

Check out Career Success on Twitter

Be Creative During a Recession

This is the dedication by author Ernie Zelinski in his first book The Art of Seeing Double or Better in Business, which he wrote during a recession.

To all the creative people throughout the ages who have been willing to risk, be different, challenge the status quo, ruffle a few feathers — and in the process — truly make a big difference in this world.

And here are some latest headlines relating to retirement:

Recession hits retirees living abroad
Easier (press release) - Chester,UK
Britons looking to retire abroad to traditional European destinations
such as Spain and Portugal have been warned to think twice about their
decision by the ...

Florida retirees see American dream shattered
Taipei Times - Taiwan
The Florida panhandle, home to the US’ largest population of retirees,
has become a center of financial panic. “The banks and the mortgage
companies just ...

What do these two seemingly unrelated topics have to do with each other?

If you are retired or soon-to-be retired and want to survive the recession in style, no doubt you have to be creative. Early retirement can still be achieved in this day and age by the creative individuals of this world.

More on this later.

What Is Happining to the Concept of Early Retirement?

So what is happening to the concept of early retirement?

Here are are a few retirement headlines from the major media?

Pension disaster looms
Edmonton Sun - Alberta, Canada
Statistics Canada says about 5.7 million of Canada's 16.2 million workers have a private pension plan. Even before the stock market crashed, some Canadian ...

Catholic Sentinel
Faltering economy makes for tough times for seniors, retirees
Catholic Sentinel - Portland,OR,USA
By Ed Langlois The fall of the stock market has caused particular pain for retirees and those about to retire. One woman felt compelled to leave her new ...

Americans react to recession in different ways; what about you?
USA TODAY
"My husband's retirement plan went down to practically nothing," she says. The Albrights aren't alone, by any means. It would seem Betty White, 76, ...

To help you retire happy, see:

How to Retire Happy, Wild, and Free

The Joy of Not Working

Career Success Without a Real Job

Retirement News from the Last Week

Here are clips from recent retirement articles:

Catholic Sentinel
Faltering economy makes for tough times for seniors, retirees
Catholic Sentinel - Portland,OR,USA
By Ed Langlois The fall of the stock market has caused particular
pain for retirees and those about to retire. One woman felt compelled
to leave her new ...

Americans react to recession in different ways; what about you?
USA Today - USA
"My husband's retirement plan went down to practically nothing," she
says. The Albrights aren't alone, by any means. It would seem Betty
White, 76, ...


Future retirees will lose total contributions worth some €80 mln ...
BusinessStandard.RO - Bucharest,Romania
If future retirees lose total contributions this year worth some €80
million, the fund managers will lose some €3 mln. Most of these managers
expected to ...

Check out these recent retirement resources:

101 Retirement Resources

Health Is the Best Retirement Gift to Give Yourself

Recession versus Depression

Friendship Resources for Retirement

101 Money and Personal Finance Resources on The Money Café

Retire Early - Get Real

According to a survey from McKinsey and Co. of 3,000 retirees and pre-retirees, more than half of recent retirees decided to retire early. Surprisingly, the majority did not do this out of choice. Most did so due to adverse circumstances, such as job loss, caring for an ailing spouse, or their own health problems.

On average, these people are retiring in their mid-50s. With life expectancy for a healthy 65-year-old in the U.S. around 85 for men and 88 for women, that means some will need to fund their living expenses for 30 years or more.

And, unlike the generations that came before them, far fewer baby boomers will have traditional defined benefit pensions to help them. What’s more, research from professor Alicia Munnell, director of the Center for Retirement Research at Boston College, shows that Social Security will replace less than 30 percent of pre-retirement income by 2030. It’s clear that volatile markets are not the baby boomers’ only major challenge.

Check out Ernie Zelinski's Money Saving Tips and Goodbye Letters for Work

Retirement News Doesn't Get Any Better

It looks like retirement news won't get better for some time. Here are some of the latest headelines:

1. Changing educators’ cost of living provision is a big step backward
Atlanta Journal Constitution, USA
By Greg Pilewicz Today, the Teachers Retirement System of Georgia will be considering a change to the cost of living provision of the teacher retirement ...

2. Boomers Delay Retirement, but They Won't Wait Forever
MarketWatch
But then the economy faltered, housing values plummeted, retirement portfolios shrank, and boomers who thought they had planned for financial security ...

3. You Don't Deserve Retirement
Motley Fool
By Robert Brokamp I have some news for you, folks: You are not entitled to a retirement. It's not in the Constitution. It's not in the Bill of Rights.

With all this bad news, this is evidence enought that you need a copy of How to Retire Happy, Wild, and Free.

Retirement Relieves Job Stress

Interesting Retirement T-Shirt

I'm retired: Leave the relaxing to me.

Interesting Retirement Fact

Two-thirds of Canadians retire before the full Canada Pension Plan/Quebec Pension Plan benefit age of 65, often times involuntarily. What does this mean?

Another Interesting Retirement Fact

According to a Harris/Decima poll of 2,200 Canadian commissioned by Russell Investments Canada Ltd., currently retired people say they need only 60% of the income generated when they were working -- a stark contrast to a similar survey a year ago from Fidelity Investments Canada which found 80% or even higher "replacement ratios" might be necessary.

The Spoilers - Countries Against Early Retirement

• Britain plans to gradually raise its age of retirement at which full state pensions will kick in. By the year 2044, the U.K,'s retirement age will be 68.
• The U.S. and Germany also plan to raise their retirement age to 67.
• Italy and Belgium have already raised their age of retirement to 60