How to have a happy retirement

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• 9 ways to Retire Happy
• By Coach Alexander
• TopTier4You

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Introduction

• Are you about to retire after working many years
  in an industry you dedicated your whole life to?
  Well, sad to say for many, retirement is not a
  happy one but it is only the beginning for more
  worries in a persons life. Think of it this way,
  when you look back at all the hard work you had
  done, did you really achieve what you really
  wanted? It is a tough question for most people.
  Retirement is meant to be a happy occasion and
  everybody should look forward to calling it quit
  at some point in life. When a person retires, he
  is supposed to enjoy rest and leisure after all
  he put in during his youthful years. But we all
  know the truth dont we?
• The truth is, by the time some people retire
  thats when problems are getting worse. There all
  these medical bills, high cost of living and
  probably a lot of other stuff which makes it hard
  to cope. But on top of that, just entering a
  completely new phase were you are no longer as
  youthful as you used to be and a phase were you
  have to stand on your own two feet, needs a lot
  of adjusting. But apart from the preceding there
  is one very scary thing about retirement, which
  nobody looks forward to at all.

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Retirement with Nothing

• This is by far the worst that can ever happen to
  anybody and if it did ever happen it is so
  unfortunate. You see, when you are working during
  the prime years, money was flowing in and you
  could gain access to whatever you wanted.
  However, imagine how it would feel when it
  suddenly dawns on you that after all those years
  you couldnt even acquire a house, or some land,
  or even save it all up. Imagine how embarrassing
  people would look at a person who had all that
  wealth because he/she was working and yet
  couldnt even save or invest the money. That
  could really be so devastating and you would only
  wish it was a nightmare.
• I would like to believe that such a thing has
  never happened before, but the principle is that
  if a person retires with completely nothing, then
  thats kind of scary. However, fortunately most
  who call it quit usually have something up their
  sleeves. And the best part is that there is also
  the pension. Which of course, most people are
  very much familiar with. So why worry at all?
• Some people retire happy but others still retire
  in a low spirit. I still havent seen anyone who
  hit the roof in excitement after retiring from
  the workforce. I bet you havent too but what
  could be the reasons? Well, I dont think its
  always about people wanting to be rich. But it
  could be a reason. Well honestly, it could be a
  combination of things. Some are just not prepared
  for this new phase in life while others, just
  dont want to leave the interactions they had
  with work colleagues and friends. Others who
  leave work, just cant imagine what else they can
  possibly do to keep themselves busy. There are
  certainly a lot of reasons out there but all in
  all whenever somebody calls it quit that should
  be a happy occasion. If you are about to retire,
  whether you are doing so early or you have
  reached your time, here are 9 ways to make your
  retirement a happy one.

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9 Ways to Retire Happy
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Think Positive

• Its always good to think positive about the
  whole ordeal even though its never really easy.
  We all have our fare share of problems and thats
  what really complicates the whole equation.
  However, thinking positive gives you an
  opportunity to face whatever challenge comes your
  way with character. First things first, it
  doesnt help to hang around negative people. Lets
  start with an example here, imagine you were
  carrying something heavy while climbing up a
  hill. A few hours later you meet a couple of
  friends who have a similar load as yours but
  instead of carrying uphill themselves they decide
  to put the burden on you. Do you honestly think
  you could successfully carry that additional
  load? Not even a little.
• The same goes with negative people. They wont
  make you stronger but will only burden you more
  on top of the additional worries you have.

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Get Rid of Debt

• Here is one common fact which cannot escape us no
  matter what we do, it is easy to borrow but never
  easy to pay back. You see folks, moving around
  with debt on your shoulders is like moving around
  with a heavy load on your back 24/7. There are
  things, which are easy to overlook in life, but
  when it comes to somebodys debt, people do not
  usually forgive. It is even worse when you borrow
  money from the bank. If you borrow money from
  them and think you can get away with it, you have
  another thing coming your way. Usually handling
  debt is relative easier to do when you are
  working but when you retire, it is like a plague.
  Here is some advice for you, if you want to
  retire happy get rid of all that debt which you
  have been carrying all your life. Just get rid of
  it and throw it all away. Word of caution, be
  careful to fall into debt again too. What are we
  talking about here? If you are going to borrow
  any money, only do it for the right reasons.

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Save or Invest

• I usually believe that saving is a sure way to
  retire happy because unlike investments which
  have a 50/50 chance of success, saving money is
  usually certain because the money is already in
  the savings account. However, there is absolutely
  no reason shunning a good opportunity when it
  comes your way. But before we get into investment
  opportunity options, lets dive into the savings
  options first. When saving money, it is usually
  advisable to have a target on the amount of money
  you would like to have in your account by the
  time you retire. When you have figured that out,
  then should you have an idea of how much money
  per month should be put aside for that cause.
  Remember that, sometimes we might just be tempted
  to get some money out when need arises but dont.
  Tempering with your savings will only make it
  easy for you to take money out at will. Remember,
  this is retirement money we are talking about.
• What about investments? Well there may be a lot
  of ventures that could bring you additional money
  but I am one who likes to play it safe. Of course
  they will tell you that the most successful
  people of this world took risks in their lives to
  get to were they were. Here is my advice, if you
  see an investment opportunity, dont invest all
  your savings. If anything, find even an
  alternative way to finance that investment.
  Leave the savings out of it always. So what
  investments are there? Well you can invest in
  stocks, or you can invest in property.
  Alternatively my personal favorite is to invest
  in a new start up business. Not many start ups
  that require little money put in these days.
  However, have you ever thought of making money
  online? Well I usually dont like to say much
  about this but I usually ask my visitors to watch
  this Free Video on this Link here. After you
  watch that video you may gain instant access to
  additional options it offers. I would also like
  you to download our Free Ebook how to Earn Money
  online for the first time by following this link
  

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Have a Retirement Plan

• Having a retirement plan really puts everything
  into perspective. Most of the times we tend to
  worry about a lot of things such as, what am I
  going to do with all this time? How will I earn
  the extra cash? Although you cannot eliminate all
  the problems on Earth, you certainly can have a
  plan of action to tackle your challenges. If you
  are worried how boring life will be after
  retirement, have a set of activities that you
  will do after you call it quit. Make life
  interesting by putting your plans in writing.
  Ever wanted to do humanitarian work? Ever wanted
  to travel around? Thats were it all begins.

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Have a Retirement Party

• What good is retiring if you cant even have a
  party? Remember calling it quit shouldnt be a
  sad time, but add some color to your life by
  enjoying a retirement party. Usually others will
  do it for you and if thats the case, you
  shouldnt shy away from being part of the fun.
  You can invite friends and relatives to the
  occasion. However, always remember not to be
  careless to the point of losing a leg or limb
  just because you were trying to have fun.
  Remember, you want to start your retirement years
  on a good and positive note.

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Strengthen your Family Bonds

• Family is what will get you through those years
  when you would have retired. When you strengthen
  family bonds, you strengthen you relationships
  and this in turn leads you to having some
  reasonable levels of satisfaction. Are you
  married with rebellious children you simply
  couldnt get along because you were too busy?
  This is the time to mend those scars by bringing
  the people you care about closer to you. Make it
  a reality and never give up the fight.

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Keep Emotionally, Mentally and Physically fit

• Exercise can do you a lot of good in keeping all
  your faculties healthy. You dont want to be in
  one place all the time, use your bodys energy to
  Jog around or take long walks. Eat healthy foods
  and drink plenty of water too. You will be amazed
  at what these small changes can do for you even
  as you approach the retirement years. Keep your
  mind busy by reading novels, brochures or other
  important literature, which is relevant to your
  life.

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Be a Part Time consultant

• Even though your retirement is fast approaching
  that doesnt entirely mean you dont have to do a
  part time job only on your terms. Just before you
  call it quit, you can establish healthy networks
  with people who might be interested in your
  expertise knowledge or technical knowhow. It
  doesnt have to be done regularly but can be done
  when you really need to do it.

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Accept whatever happens

• retirement can sometimes be a tricky situation
  for anybody. You see everybody wants to retire
  happy and thats a fact but life as we know it is
  full of surprises. It is indeed vital that even
  after all we have done to make sure that
  everything goes according to plan, we should be
  prepared incase things dont actually work out.
  However, the best part is that when we realize we
  dont have control over everything in life can we
  then be able to accept. At least we gave it a
  shot right? But look at the bright side! Most
  retirees are reasonably okay.

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Thank You

• A presentation by
• http//www.toptier4you.com