Retirement is a Time of Change in Lifestyle and A Time of Adjustment retirement planning

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Retirement is a lifestyle people dream about. It is also a time of adjustment.

When we retire is influenced by many factors, and is not only by our own choice.

Sometimes, the time at which one member of a couple retires is different than the other. This can be a source of joy or jealousy, new beginnings or resentment and bickering.

Factors that could influence these feelings include:

If the retirement was a choice.

Acceptance that retirement is an earned time of life.

How the retiree enjoys unstructured time.

How much the retiree enjoys being finished with their work and work relationships.

The acceptance level of the person retired to take on more household responsibility.

How the one not retiring enjoys their work.

How flexible the couple is to make a new marital deal.

The couples attitude toward their retirement years.

The attitude of the retiree toward the partners work.

The way the couple handles finances.

Good marriages are built on making deals about responsibilities, keeping the deals, renegotiating the deals when events change and a couples ability to assist their partner when one gets overloaded. Feeling overwhelmed could be due to outside influences like extra work demands, health issues, family pressures and more.

The working spouse needs to accept their work is leading to the quality of life they will have, in the form of income, when they retire.

Problems must be identified to be solved. Too often people want a quick fix to major life changes. The better prepared for the change, the more flexible the attitudes and the willingness to work on keeping the relationship satisfactory for both partners, the higher the chance of a smooth transition into new roles and ways of relating as a couple.

Marilyn Barnicke Belleghem M.Ed., is a registered marriage and family therapist with a private practice in Burlington Ontario Canada. She consults to families in business on issues of communication, stress management, building boundaries between home and work time and space, conflict resolution and adapting to change. Marilyn is also an author of books on personal growth through travel. Questing Marilyn: In Search of My Holy Grail (Quest Publishing Canada 2003) takes the reader through sacred and historic sites in England and Ireland and involves the search for the authentic adult Self. It explores: Who can I be when I am free to be my Self? Questing France: Deepening the Search for My Holy Grail (2005) is the process of holding onto the Self when in a marriage relationship. It explores flirtations, infidelity, qualities of a functional marriage as well as parenting children through marital conflict. Questing France explores the questions: Can I be me when I am with you? and “Why do people stay in a marriage after an affair?” http://www.questpublishing.ca

Author : John Hancock Retirement Plan Services Earthtimes, UK - 5 hours ago BOSTON, April 9, 2008 — John Hancock Retirement Plan Services (RPS) today officially launched and began enrolling employees in Guaranteed Income for Life, … John Hancock Launches New, Multi-Million Dollar ‘Cursor’ Campaign Earthtimes all 10 news articles

Author : John Hancock Retirement Plan Services - Earthtimes

Americans are becoming increasingly worried about saving for their retirement as the nation’s economic outlook continues to darken, according to a new survey of workers and retirees released Wednesday.Retirement wake-up call (CNN Money)

NEW YORK — Rising health care costs and the faltering economy are making consumers worry that they won’t be able to save enough for a comfortable retirement.Workers Worry Over Retirement Readiness (Washington Post)

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One of the biggest problems when first considering moving abroad -and it is quite a pleasant one- is that there are so many possibilities. Currently, there are over 50 countries in which Britons are buying property quite simply we are spoilt for choice. Some are ideal for retirement, but others less so. The key to making a successful move to another country and buying a new home is research. Property magazines, specialist exhibitions and legal and financial experts can help. The Internet is also an excellent window on the world.

A number of factors should be considered before choosing a destination. Narrowing it down to a country, let alone a region takes plenty of thought. The place you choose to retire needs to match with your lifestyle and character. Are you a culture-vulture who loves galleries and the theatre? Are you a mountain person who longs for the first snowflake of winter? Or do you dread the cold and long to stretch out on a terrace with a glass of wine in one hand and a bottle of sun tan lotion in the other? Choose the wrong spot and you will be miserable; choose the right one and every morning will be welcomed with a smile. Remember, there are some places where you can have the best of both worlds. Cyprus is one of them, with the Troodos Mountains providing hiking and skiing within an hour or so of the coastal beaches. It is also important to consider the practicality of living in a location. A Spanish hill village may be a romantic place to retire, but the steep cobbled streets may be totally impractical in later years. Likewise, will you be able to tolerate the heat in summer?

In the UK tailor-made retirement developments are widespread and tend to be very well organised, but this isnt always the case overseas. Similar developments exist in Spain, but they arent widely available in Italy, France or in some of the newer members of the EU. However, things are changing and although age-exclusive accommodation may still be thin on the ground in some countries, a wide variety of bungalow-style properties designed with low maintenance in mind are being built to meet demand from expatriate retirees.

Finding a property that suits your needs requires a good local estate agent or a UK specialist and plenty of research. The overseas property magazines, the property supplements in the weekend newspapers and the internet are all good places to start. Costs vary significantly from country to country, and from region to region, so it is important to conduct careful comparisons. Also, look at every additional extra, such as management fees in a development.

It is important to consider the cost of living in your chosen destination. The cost of living throughout the EU has levelled out somewhat since the introduction of the euro, although prices have generally increased Europe-wide as a result. Local products, such as fruit, vegetables and wine, still cost considerably less in France, Spain and Portugal than in the UK. Developing countries such as Turkey are even cheaper. By contrast, your grocery bill on many of the Caribbean islands will be high, as everything is imported. At the time of writing, the dollar/pound exchange rate is extremely favourable for UK citizens travelling to the US, a key incentive to invest there.

Be sure to consider the importance of friends and family visiting on a regular basis. This is likely to happen more frequently if there is good access from the UK. Move to one of the traditional favourites such as Spain, France or Portugal and you will spend your time shooing visitors away. Choose a remote area that requires long-haul flights and then a train or bus journey and you may see them for an annual holiday, but probably not much more.

Unfortunately, the other side of the coin is that property in accessible areas is often more expensive. Carcassonne in France is a prime example of how inexpensive flights have opened up new destinations to the British property buyer. Ryan Air is the sole user of what was previously a military airfield and they now offer flights from the UK from 20. The impact of this frequent 2-hour flight has been enormous on the local area, with some properties in Carcassonne doubling in price in just 3 years.

When choosing a place to retire you need to consider whether you want a social network of British people to socialise with- or perhaps you are looking forward to immersing yourself in the local culture. Plenty of ex-pat groups can be found on-line, especially in Spain, Portugal, Florida and the Caribbean islands. It is wise to take several holidays in your proposed retirement destination, preferably at different times of year. Renting a property before buying is also an excellent way of getting to know an area and making friends in advance of making a final decision. It will also allow you to speak to other British people locally, to find out first-hand what their experiences have been.

Learning the language will help you integrate and make friends, so it is worth getting to grips with the basics before you move. Specialist UK language schools, evening classes, distance learning courses and on-line language tutorials are just some of the various options available.

Access to health services is an increasingly important consideration as we get older so it is vital to choose a country that can offer you the medical facilities you require. Many countries have improved the quality of health care services in recent years - but it pays to look before you leap. Also, ask about private health insurance and whether you can join the national health system. Those looking to move within the EU should apply for the new European Health Insurance Card, which has replaced the E111 form.

Find out more about retirement property. Dominic Whiting is a journalist and publisher of the Buying in Property Guides, http://www.buyinginguides.info

Rising health care costs and the faltering economy are making consumers worry that they won’t be able to save enough for a comfortable retirement. The Employee Benefit Research Institute’s annual survey, released Wednesday, showed the weakest worker…Workers Worry Over Retirement Readiness (San Francisco Chronicle)

Americans are becoming increasingly worried about saving for their retirement as the nation’s economic outlook continues to darken, according to a new survey of workers and retirees released Wednesday.Retirement wake-up call (CNN Money)

By MIKE LEE Part of the city’s plan to fix the shortfall in its retirement fund is unconstitutional, according to an opinion issued Tuesday by the state attorney general’s office. Fort Worth faces a $410 million gap between what it contributes to the pension fund and what it is projected to pay out over the next 30 years. A large part of the shortfall came from employees’ “spiking” their …Part of plan to shore up Fort Worth’s retirement fund unconstitutional (Fort Worth Star-Telegram)

The percentage of Americans who are very confident about having enough money for a comfortable retirement plunged this year to 18 percent, down from 27 percent in 2007.Percentage plunges of those prepared for retirement (The Kansas City Star)

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