Retirement Planning Advice – Finding The Best Places To Retire

There are basically some things to consider when you are about to retire, one of which is the best place to retire. Check the place and make sure that all of the amenities that you need in order to sustain a comfortable life are present.

Also another primary thing to check is the security of the place; you can ask some locals who eventually stayed in the place for a long time to give you information about the security of the place.

Visit the location more than once. You will never get to hold of the atmosphere if you only visit once, most likely you have to visit the place at least 3 or more times before deciding to move in.

Also check the cities, provinces and metropolitan areas to decide on where to live. It doesn’t necessarily mean that you have to live there by just pinpointing on the map where to lure.

Learn more of the area by researching, browsing the web, reading comments and suggestions from blogs, travel and leisure guides and other useful resources that will make you up to date and informed of the place.

United States Census map of Overland Park, Kansas

Image via Wikipedia

If your reason for moving to another place for retirement is to pursue a hobby, then it is a good thing to consider but it should not be the only thing to consider because you are going to live there in the place and your not there for just a 3 day vacation. Be careful in selecting the place to move in because if you move in, you might lose some of the things that you have at least enjoyed in your old neighborhood, or the old place where you live is a proximal place for your relatives for gatherings and special events.

These are only few of the things you should consider when you want to move in another place to retire. It takes real time and consideration for this decision before finalizing it. Here are some places that are considered like Arizona, Florida, Pennsylvania and Kansas.

Best States to Retire for Military Retirement

Here is some information from one of the states, Kansas. It is one of the best places to retire based on a ‘2010 survey of the best places to retire, one the most common places in Kansas is the city of Overland Park. Many people state that this city is filled with all the amenities that retiring people need and it also filled with park for recreation and relaxation. Kansas is one of the states that are situated at the middle of the country and it was first inhabited by Native Americans, on of which is the Kansa tribe where they got the state’s name and also it was stated that it was named after the Kansas River. Other ideal retirement locations, especially if you are military retiree, include: Austin/Round Rock, Bryan/College Station, Waco, San Angelo, Oklahoma City, Wichita Kansas, Harrisburg/Carlisle, Pittsburgh, Madison, Syracuse, Dayton, New Orleans/Metairie/Kenner and Tampa/St. Petersburg/Clearwater

So the place to retire is very important because this is where you will celebrate you golden ages and where you will build more memories with you and your family so decide wisely.

Can I Afford to Retire Now?

Hello-

This is a question plaguing most baby boomers today.  For those on the cusp of retiring, statistics show they plan on working longer.  For those who have decided to retire, the decision may carry long-term consequences.

If you have a 401K plan, the maximum annual contribution you can make in 2009 is $16,500.  However, if you are over the age of 50 you can contribute a total of $22,000.

If you have an IRA, you can contribute up to $5,000, and for individuals 50 years or older, another $1000 can be added.

The problem with retiring now is that since the market downturn, many people lost a hefty sum of money from their 401K.  So the question is:  How much do you currently have available in your 401K and can you live on the pension and retirement funds during this recession?

The only way to determine this is to go over your financial accounts to assess how much is available and how much you will need to live comfortably.  If you find that you cannot afford retirement now, you may need to postpone it for two to three years.  Since we know that this recession may last well past 2009, it would be a prudent step in your favor to wait.

In addition, if you decide to retire at 62 years of age you can delay receipt of the Social Security benefits until you reach age 66.  Why is this important?  The full benefit at age 66 is approximately $1900.  However, if you decide to collect earlier you can lose $500 per month.

Also consider that if you postpone collecting Social Security, there is an 8% credit for each year you do not receive a check up to the age of 70.  The benefit at age 70 would be approximately $2500.  Therefore, the difference between collecting benefits at age 66 and 70 is $1000 a month.

Yes, there is a lot to consider before taking that last step to retirement.  For one woman who retired at age 57, the loss of pension income was significant.  Moreover, her 401K is far less than what it would have been if she had worked an additional three to four years.

Before you decide to retire, make sure that you have enough money saved to see you through this recession and beyond.  If not, you may find that retirement is not at all what you had envisaged.  In fact, you may have to find another job after retirement just to supplement your pension.

These are difficult times.  Weigh all the factors; think it through carefully and soberly before you sign on the dotted line.

-Adam

Healthy Eating For Baby Boomers

Are you a baby boomer? Baby boomers are people who were born after World War II, between 1946 and 1964. Today this generation holds many cultural, political, social and academic positions. In the US, baby boomers dominate the highest median household incomes. These are people who are busy with their various endeavors. That is why the issue of healthy eating is an important aspect in their lifestyle.

At this age, between 42 and 64, many health issues start to appear. Consulting a nutritionist may prove to be beneficial. A solid program of healthy food combination must be drawn up for baby boomers so they can continue tackling their demanding lifestyle.

Boost energy with foods such as pasta, rice, oatmeal, coffee, lentils, water, bananas, sardines, chocolate, steak, almond and yogurt. The thing here is, watch what you eat and everything in moderation. Excess has no place in your diet.

It is recommended too that you eat five small meals a day rather than three full meals. Reason for this is to boost metabolism because your body will get used to digesting your food most parts of the day. Starving yourself wouldn’t do any good because your body can sense it and will stop processing your food as well.

Meditate, calm your nerves and tap your inner strength. This will give you the feeling of well being. It will also help you focus on healthy eating more. When you’re relaxed you don’t have to compensate for any bad mood. Remember those times when you got so depressed that you binge on that rich chocolate cake? You can’t afford to get lost in your fluctuating emotions now. There are health risks.

The right attitude towards your diet combined with moderate exercise can keep your health in check and increase the quality of your life. Do what’s best for you.

Learn more about the best foods to eat

Learn more about superfoods

-Stephanie

Mexico – one of the best countries to live

Hello-

What makes Mexico one of the best countries to live and retire?

First, let’s learn more about Mexico:

Its extensive coastlines include the Gulf of Mexico and the Caribbean Sea to the east and the Pacific Ocean to the west. Mexico has nice and warm people, unique food, art and archeology, pyramids, museums, Haciendas, 6,000 miles of shoreline, superb architecture and 21 century cities, weather from snow mountains in the Sierras, to rainy jungles in the Southeast and desert in the Northwest, lots of golf courses throughout the country, excellent fishing, world top destinations like Acapulco, Cancun, Cozumel, Los Cabos, and Patzcuaro. Mexico is ranked 7th major destination for foreigner visitors, according to WTO.

Sounds good so far.

What about the sights of Mexico?

Here’s a short video showing some of the scenery around Mexico:

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What about working in Mexico?

Working may require a work visa, which is difficult to get if you just want to freelance for a short time.

Many important headquarters are located throughout the main cities of Mexico. Mexican top corporations like Televisa, Bimbo, Cemex, Telmex, Vitro, are often willing to hire professionals who speak English as their native language as most of the business scene is developed with North American corporations.

An excellent way to get to know and understand more of the country is to do some voluntary work. There are several organizations such as Travel to Teach that arrange work for international volunteers in Mexico and other countries in the region.

Native English speakers can pick up work, as English teachers. The upside is that English speakers with no knowledge of Spanish are sought after, because they will force their students to practice English. The downside is that salaries are somewhat low.

What about money in Mexico?

The currency of Mexico is the peso (MXN). The symbol for pesos is the same as for US dollars, which can be slightly confusing. Prices in dollars (in tourist areas) are labeled “US$” or sport an S with a double stroke. As of May 2008 the exchange rate hovers around $10.20 MXN to $1.00 USD.

US dollars are widely accepted in the far north and in tourist locales elsewhere. Euros are generally not accepted by merchants, and even banks headquartered in Europe may refuse to accept euros for exchange.

Best place to convert USD to pesos is the supermarket. At Pemex gas stations, attendants seem to be private enterprise minded. They will give you 500 pesos of gas and charge you $50 (which is 10.00 mexican to 1.00 dollar). And will readily convert 500 pesos to dollars by multiplying by .105 rather than dividing by 10.5 and thus supplement their hourly wage. Attendants carry a wad of cash and make their own change. While many Pemex stations accept credit cards, especially in locations that have heavy tourist traffic, some do not; travelers who intend to pay by credit card should ask the attendant if the card is accepted before pumping begins.

What about the water in Mexico?

Mexico is so notorious for traveler’s diarrhea that it is often called “Montezuma’s Revenge” (Venganza de Moctezuma). The reason for this is not so much the spicy food but the contamination of the water supply in some of the poorer zones in Mexico. In most of the small towns that are less industrialized, only the poorest Mexicans will drink tap water. The best policy is to only drink bottled or purified water, both of which are readily available. Just like in the USA, in most major Mexican cities the water is purified at the cities’ water company. In most restaurants in these poor zones, the only water served comes from large jugs of purified water. If you get sick visit your local clinic as soon as possible. There is medicine available that will counter the bacteria.

There is so much more to learn about living and retiring in Mexico.  You can read some first hand accounts here

These are just some of the reasons why Mexico is one of the best countries to live and retire to.

Thanks for reading.

Have a great day!

-Adam

Source.

America’s best places to live for 2008

Hello-

Money Magazine just came out with their annual best places to live in America issue this month.

Here’s the top 10:

America's best places to live 2008

I was looking at how they picked the winners.  You can read their selection process here.

Last year they looked at small towns.  This year, the towns had populations between 50,000 and 300,000.

So if you’re looking to live and retire in a bigger town then this year’s picks will serve you well.

Being from Texas, I was proud to see that 13 of the top 100 places to live were in Texas.  Yeehaw!

That just goes to show that Texas is a great place to live, even if we have to deal with the Dallas Cowboys struggles.  :o)

Check out Money Magazine’s best places to live section and use their free tool to help you find your best place.  Click here

They also offer tips on what to look for when selecting a place for you to live and retire.

Namely, you want to look at home prices, good schools, job growth, weather, crime, activities and leisure options, cost of living, transportation and medical care.

In the end though, it all comes down to what you like and what makes you happy.  You can just use guides like this to add or take away from your list of places to move and then go from there.

Good luck in your search for finding your best place.

Have a great day!

-Adam

Stock gains of 84.79% within 3 days…

I’m sending you a quick note right now, because I have something very important to tell you about.

In fact, right before posting this, I just called round most of my own family telling them about this website.

You see I was surfing the Internet the other day researching trading stocks and I came across an interesting website.

It’s about this email stock picks newsletter, and each week this guy sends out a stock pick…

And the average gain so far has been 84.79% within 3 days of the pick being made.

Anyhow I don’t want to tell you too much about this service, because it costs $12,500 to join the newsletter!

But I did a little further research, and after finding some interesting forum discussions, someone pointed me to another website.

You see the owner of this newsletter (who is the stock market genius who makes the picks) recognized he had a problem…

Even though subscribers of his newsletter are able to almost double their trading money each and every week…

The only way he was getting new subscribers, (at $12,500 a pop) was when his subscribers made recommendations to friends and family.

So he thought about this problem and came up with what I believe is an ingenious solution:

At the link below, you’ll be able to type in your name and email address.

For the next 4 weeks after, you’ll receive one stock pick per week (the same pick sent to his subscribers)…

And you’ll be able to see that his service is worth the cost… As you’ll be watching, live, each week as his actual stock picks almost double.

Now…

These stocks can often rise over 100% within a matter of days.

In fact after being a newsletter member for 3 weeks, I invested on the 4th stock pick… and made $1876.00 (pure profit).

Which is precisely why I just rang round all of my family telling them about this website.

Oh but there’s one more thing before I give you the address, there is a limit to the number of the newsletter placements.

Maybe David (who runs the newsletter) will have closed shop, by the time you read this email. If so, don’t worry as he’ll allow you to join the waiting list.

Click here for your 4 free stock picks

Best Regards,

David Lindberg

Are you saving enough for retirement?

Hello-

The 2008 Retirement Confidence Survey indicates that more people are concerned about their retirement, the economy, and health care.

Most people do not have enough saved up to retire on:

Most savings levels are modest— Forty-nine percent of workers report total savings and investments (not including the value of their primary residence or any defined benefit plans) of less than $50,000. Twenty-two percent of workers and 28 percent of retirees say they have no savings of any kind.”

Source

Can you live on retirement savings of only $50,000?

Probably not.

If you retire at 55 or 65 and expect to live 20-30 years, you’re going to need a lot more than $50,000 to retire on.  Social Security is not going to provide you with a comfortable retirement.

How much do you need to save for retirement?

There is no magic number that will work for everyone.  However, you need to add at least another zero to the $50,000 amount of retirement savings.  $500,000 is a good start.  Most will need up to a million or more.

How the heck are you going to save up to a million dollars by the time you retire?

How the heck do you eat an elephant?

One bite at a time.

You need to start, and start now.

The goal is to save at least 10% of your gross income.  Do an automatic deduction from your paycheck and put that into your 401k at work or into an IRA.

Each year as you get a raise or bonus, increase the amount of your automatic deduction.

It’s easier to save for retirement when you don’t have debt to worry about.

Take the steps you need to get out of debt so you can devote more of your income to the future instead of paying for the past.

Work more hours at work, take voluntary overtime, start a second job.  There are many ways to increase your income or supplement your income.  But you won’t find them by watching TV when you get home from work.

If you take the small steps now to start saving for your retirement, you may actually get the chance to retire when you turn 65.  If not, you may be spending many more years at that thankless, unrewarding job of yours.

You don’t want a gruesome retirement do you?

Setup the automatic deduction, enroll in your 401k program at work, get out of debt, increase your income and save, save, save.

-Adam

Retirement living tips

What to do once you’ve retired – Retirement living tips

The time has finally arrived: retirement!  All those years of working hard, scrimping and saving for this day, and looking forward to enjoying all the things we’ve wanted to do and achieve.  Are we leaving out one important factor?  Here are some tips for staying active once retirement comes.

On the first day of retirement, one of the first pleasurable things we tend to do is sleep late.  No more getting up at the crack of dawn to drive endless hours to the office.

No more getting home late, missing dinner with the family.  It’s our time now, and we can do whatever we like, whenever we like.  Sounds wonderful, doesn’t it?

Perhaps we make lists of things we are going to do, places we are going to go, and people we are going to visit.  Yet, on the second day of retirement we might wake up late again, make a pot of coffee, read the morning paper, look out the window and decide to stay in for the day.  After all, there is plenty of time to do all those things we’ve listed.

On the third day and every day afterward for the next few months, we might follow the same routine.  Relaxation has become our friend and we like this new friend.  The problem is we are ignoring our other friends.  Who are they?  Daily walks, exercising, proper nutrition, and outdoor activities.

Once retirement comes we often seem to forget there is still a wonderful life to live.  A life filled with adventure, new areas to explore in education, the arts, sports, hobbies, and those things we never had time for before retirement.

Staying active is necessary in order to maintain a healthy lifestyle.  Adopting the position that we can do whatever we want, doesn’t mean we can do nothing and still remain active.

If you are nearing retirement, now is the time to make a list that you will stick to.  If you enjoyed golf as a hobby, make it your lifetime friend.  Get plenty of exercise by engaging in activities you love, most of which are hopefully outdoors.  Seek ways to keep your mind active as well by enrolling in a course at your local college.  Visit museums, art galleries, and other cultural institutions you never had time for.  Go to plays, operas, musicals; take short trips to places you’ve never been.  Take the road less traveled.

Retirement is a wonderful time.  It gives us the opportunity to learn and grow, achieve new successes, start new businesses, and meet new friends.  Life doesn’t stop when we retire, but is the beginning of a new life filled with wonder, empowerment, and freedom.

How to Recession Proof Your Bank Account

It’s happening.

People are losing their homes, losing their jobs, and losing their life savings.

Every where you look, there are signs that we are about to enter a massive recession, and things are only going to get worse.

The solution?

Create income that continues to pour in, even in the worst of times.

No matter what happens, people still need information. The types of information they need or want may change, but the need itself never goes away.

That’s why I’m recommending that anyone who hasn’t already started their own online info business, needs to do so immediately.

The Baby Boomers Guide to Online Income will show you EXACTLY how to do it…

Click here to learn more

…and you don’t even need to be a Baby Boomer.

While the Baby Boomers Guide to Online Income was written for people facing retirement and the uncertainty of social security, its down to earth, proven techniques will work for almost anyone, in any situation.

Here are some questions I received during the last day on the program…

Q. “Who’s the author, and why should we believe what he says?”

A. GREAT question: The author is Nick Marks, and he beat out MAJOR competition to become The 2007 Internet Marketer of the Year.

Click here to see a photo of him accepting his award from Russell Brunson…

Click here to learn more

Obviously he’s not some newbie marketer selling rehashed info he copied from someone else (who probably copied it from someone else..)

Nick is someone you can trust to provide you with honest, relevant step-by-step material that flat out WORKS.

Don’t take my word for it, read the testimonials on his site…

Click here to read more

And there’s no fluff or filler in his e-book. Just straight-forward, honest, tested, and proven strategies for earning a steady online income.

Q. “I understand why he’s including the other bonuses, but what’s up with Bonus #1? Why is that included with this program?”

A. For two reasons: First, you get to see how Nick got started making money online, and learn all his secrets of how he did it.

Second, you may want to use it to build a very lucrative second or third income for yourself.

Click here for more info

Q. “I don’t have a website. Will this work for me?”

A. Nick actually includes a FREE website when you purchase the Baby Boomers Guide to Online Income.

It’s already set up with affiliate marketing and custom blog marketing. Plus it’s search engine optimized for traffic pulling page rank in the top search engines (Google, Yahoo, etc.)

Q. “What if I need help? What if I have a question?”

A. Nick is also going to give you 30 minutes of expert phone consultation… for FREE. You dial the number you’re provided, and you can speak directly to one of Nick’s top marketing experts. These pros have years of experience, so they can quickly and expertly answer your questions and give you any guidance you may need. And you get this expert help for free!

Bottom line, if you want a business that is recession proof, that will earn you money now, next year, and every year, check out…

Click here for more info

Making money ISN’T just for Baby Boomers!

-Adam

P.S. The economy is in serious trouble. I don’t know how bad things will get, but the time to get ready is right NOW.

And the best / fastest way I know of to get your business online and making money is with Nick Marks and The Baby Boomers Guide to Online Income.

Click here to avoid a retirement nightmare

Save more money for your retirement in 2008

Hello-

Re: Saving money for retirement

It’s never too late to start saving money for your retirement. The sooner the better though. The earlier you start saving the earlier you get to start enjoying the benefits of compound interest. As 2007 comes to a close and 2008 jumps out at us, start making your New Year’s resolutions that will benefit you for many years to come – especially in your retirement.

If you have not started investing in your company’s 401k plan, do so now. Make an appointment with your HR manager to get you the paperwork you need to start automatically investing in your 401k. If your company offers a matching contribution of whatever you put in then make sure you invest the maximum amount they match. If they match 3%, at a minimum you should put in 3%. If they match 6%, then you must at least invest this amount. You are literally giving away free money with each passing paycheck if you do not take advantage of the company’s 401k matching program.

Using the company’s 401k match can mean the difference in you eating at McDonald’s in your retirement or eating at Chris Madrid’s in your retirement. Those burgers are awesome. If you’re not familiar with Chris Madrid’s, if you’re ever in San Antonio check them out. Great burgers.

Anyways, back to my point. You can save a lot of money effortlessly for your retirement by just investing in your company’s 401k so do it as soon as possible.

If you’re already enrolled then think about increasing your contribution by a percentage point or two. Then once you max out your 401k, it’s time to start thinking about an IRA. They can automatically withdraw this from your paycheck and put it into an IRA and invest it in stocks and bonds of your choosing.

Don’t forget about long term care and life insurance. Millions of people will need long term care as they get older. The earlier you buy it, the cheaper it will be for you. And you do not need to be rich to invest in long term care insurance.

Another thing to keep track of is your Social Security benefits statements. You should get these every couple years and they indicate approximately how much you should expect when you begin to withdraw from Social Security. Make sure the incomes reported on these are the same as what you actually make. You want to make sure, your full income gets reported so you get the full benefit of Social Security you’re eligible for.

One last thing is to look for opportunities to make more money so you can save faster and possibly even retire sooner. There’s nothing like the feeling of being able to retire early. You should do it just for the looks your coworkers will give you. :o)

Keep these tips in mind as you start planning your goals for 2008 and for your future retirement.

Here’s to a healthy, happy, and prosperous New Year!

-Adam

Free Retirement Planning Tips