Comfortable outdoor patio furniture can really enhance your outdoor-living and enjoyment.

As you may have been thrifty your entire working life, using folding lawn chairs and plastic patio furniture, now’s the time to splurge on some really great furniture that’s beautiful, cozy and easy to move around your outdoor space.

With a wide array of different metals, stone, wood, wicker or bamboo, there is patio furniture out there that’s really impressive and that can put a smile on your face as well.

When was the last time you ate dinner outside using your dining outdoor patio furniture? Had a great breath of fresh air with your barbecued tidbits?

When was the last time you had some friends over and enjoyed sitting by your pool, conversating and laughing?

When was the last time you really enjoyed your backyard space?

The newest thing in outdoor spaces is the “outdoor living room” with outdoor patio furniture pieces that are upholstered, but that repel water and look so beautiful, you’d think you’re indoors.

Also, with the great selection of canopies and gazebos available, cozy outdoor spaces are easy to put together and maintain.

Whether you’re looking for patio chairs, lounges, tables, sofas, hassocks, stands or side tables, screens, outdoor lamps, heaters or cushions, you can create your own little, quiet, serene getaway right in your own backyard, or a conversation piece for entertaining friends and family.

Being outdoors and getting fresh air is essential for our health and now that you have more time to take care of yourself, get outdoors and be sure to check out Outdora.com for your outdoor needs. I’ve found that they have such a vast array of fabulous outdoor furniture, gadgets and gear to make your life fun and your yard a marvelous place to be all year round.

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I hope you enjoy the Fruits of Your Labor on Your Retirement Today! Until next time…

Have Fun & Enjoy Life,

Kimberly Edwards

P.S. Subscribing to Your Retirement Today is the Best Idea you’ve had all day!

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My hubby and I were chatting today about the fact that by the time we decide to “retire”, there won’t be social security or social insurance to assist us. A Nest Egg will be a necessity!

Scary for so many people facing retirement that it’s forcing people to work many years past the typical age of 65.

I saw a lady greeting us in Wal-Mart today that had to be well into her 70s…

…Unless it’s something that’s fun, gets you out of the house or allows you to share Jesus with people, it’s sad that our seniors are having to work just to pay their bills and expenses.

How can you alleviate this issue? Well, of course, start early in your life setting some money aside each month.

Even if you save $50 and put it into an account that’s difficult for you to liquidate - like a long-term investment (not a 401k) - earning you about 6-7%, you’ll have over $1,000,000 by the time you retire at 65.

That’s amazing, isn’t it? Now, add on maybe a few real estate investments: Maybe you get a great owner finance deal from a desperate seller - easy to find nowadays - and rent that home out…let your tenants pay off that home for you…keep your eyes open to refinance at a low interest rate in the future…

Now, try doing that once per year or once every other year - you’ll be doing fabulously once those properties are all paid off, by your tenants - then, you can keep that monthly cashflow or sell them outright and cash in…

Retirement just got a little less scary, didn’t it?

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I hope you enjoyed these Retirement Planning on Your Retirement Today! Until next time…

Save That Money,

Kimberly Edwards

P.S. Check out the Real Estate Investing blog on Blog N’ Butter if you’re interested in learning more about it.

Technorati Tags: retirement, retirement investing, nest egg, investing tips, retirement investing tips, save money

Today, I want to talk to you about enjoying your home to the fullest. When was the last time you invited friends over to enjoy an evening on your patio?

When was the last time you sat outside with your wife on a star-lit night? Read the paper outside while drinking your morning coffee?

Enjoy your patio - get an outdoor heater for those cool Spring and Fall days.

Grab some hot tea, coffee or apple cider and be refreshed by the crisp air.

For those colder, winter nights enjoy outdoor heaters whether it be by your fire pit or patio heater waiting for your delicious bbq creation to be finished.

Make it fun by treating yourselves to some hot toddies and enjoy the snow! When was the last time you actually enjoyed the snow if you live up North?

With a great patio heater, you’ve just made a sanctuary of your outdoor living area all year round. You’ll be able to enjoy your space for an extended period of time that others aren’t able to comfortably.

There’s nothing like being able to eat outside or enjoy the moonlight and stars. Now, you have time to take out to “smell the roses” and relax from all the hard work you put into your home to make it beautiful.

Who knows, maybe you’ll even buy a hot tub now too! LOL…

Alright, maybe now that you’ve retired you simply can’t sit still and you’re bored…Well, an outdoor heater can also help you build & create outside in your workshop, art studio or tool shed.

This will allow you to work in the cool or cold evenings and well into the colder seasons.

Instead of warming the air that can simply blow away, patio heaters actually warm the objects in it’s wake with radiant heat - meaning people, pets, tables, chairs, etc.

Either way, start to take part in the things you love to do or would love to get started doing.

Can’t find patio heaters near you, check Outdora.com - they always have them in stock and their shipping is free!

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I hope you enjoy this Fruits of Your Labor post on Your Retirement Today! Until next time…

Enjoy Life,

Kimberly Edwards

P.S. For a great Hot Toddy Recipe, check out CookingWithKimberly.com

Technorati Tags: patio heaters, patio, fruits of your labor, finer things in life, outdoor heater, outdoor heaters, retiring, retirement, enjoying patio, enjoying life

Here are 6 Wayward Moves that Will Cost You in the Long Run:

1. Not Even Having A Plan - How can you plan with NO PLAN? Write it out on paper; it’s not good enough to have it in your head only.

2. Underestimating Your Life Expectancy - Come on…You might start eating tofu next week…It could happen! LOL

3. Low-Balling Your Spending - Be realistic…and then add some more for good measure!

4. Not Planning for Unexpected Expenses - You just never know what life could throw at you!

5. Not Taking Into Account Rising Healthcare Expenses - It’s astronomical, but not insurmountable.

6. Ignoring the Rate of Inflation - It’s going up and up, whether you like it or not…

Take these 6 Issues into account, and you’ll be off to a good start on your Retirement Plan!

For more information on this subject, go to: 6 Blunders That Ruin Retirement Plans

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I hope you found today’s post on Your Retirement Today helpful and informative! Until next time…

Retire Happy,

Kimberly Edwards

P.S. Check out these interesting finds:

Technorati Tags: retirement plan, planning for retirement, retirement, financial planning

Retirement is probably the best reward that awaits every worker in the workforce. Aside from the cash benefits that workers receive upon retirement, they are also rewarded with valuable time wherein they can pursue their interests, dreams and passions. Thus, it is very important to make the most out of one’s retirement. That is, of course, if retirement has been prepared for years in advance. More and more people realize the importance of saving up for their retirement, which is why a lot of people devote part of their earnings for a comprehensive retirement plan.

Nowadays, one’s retirement age is no longer confined to 60 or a just a few years after 60. The general age of the workforce in a lot of industrialized countries has been increasingly rising, which makes retirement even more flexible. The higher retirement age also gives workers more resources to better plan their retirement.

It is very important to plan one’s retirement carefully, taking into consideration all the issues related to retirement, especially since there are countless retirement choices now available. Retirees must bear in mind that retirement would be even better if they completely understand the entire retirement process, realize how to live their retirement years later on, carefully plan their retirement and find their perfect retirement destination.

In planning one’s retirement destination, it is important to visualize how you intend to live your retirement years as to what you plan to do or the atmosphere in which you see yourself in. It is also important to consider the accessibility of your supposed location to medical facilities for your optimum safety and convenience.

A structured plan would then limit your decision to several areas perfect for your retirement. Finding the perfect retirement destination that captures the essence of how you wish to live your retirement years, encapsulating your lifestyle, your culture, and your budget is vital to make the most of your retirement. What one may consider best for him/her may not necessarily be good for another, thus, it is not really recommended to rely on what others may think as to what retirement destination is best, unless of course, similar interests and lifestyles are eminent. It is still best to choose what’s best for you.

Retirement provides detailed information on Retirement, Retirement Plans, Retirement Communities, Individual Retirement Accounts and more. Retirement is affiliated with Retirement Financial Planning.

Article Source: http://EzineArticles.com/?Everything-You-Ever-Wanted-To-Know-About-Retirement&id=277762

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I hope you enjoyed today’s installment of Your Retirement Today! Until next time…

Retire Happy,

Kimberly Edwards

P.S. Check out this Wall Street Journal Book:

The Wall Street Journal Guide to Planning Your Financial Future: The Easy-To-Read Guide to Planning for RetirementThis revised and updated edition of The Wall Street Journal Guide to Planning Your Financial Future offers simple explanations and clear overviews for consumers bewildered by changing laws and overwhelmed by the frightening prospect of affording retirement. This guide offers a comprehensive look at the things everyone should know to enjoy a comfortable retirement. Illustrations.

Technorati Tags: Retirement, Retirement Plans, Retirement Communities, Individual Retirement Accounts, retirement planning

Retirement is a very crucial phase in a person’s life and it needs to be taken in a lighter vein. Most people feel grouchy and uncertain about life after retirement.

Retirement ought to be accepted gracefully as it is an inevitable stage in everybody’s life. There are people who can take retirement in their stride and even enjoy it. Retirement jokes are very popular among retirees belonging to all professions. Retirement jokes are often coined by retirees themselves. Many retirement jokes are shared in retirement or farewell parties.

During a farewell party for retirees, they tend to become very emotional. They can add a funny retirement joke in their retirement speech to lighten the atmosphere. Generally, several colleagues also deliver a speech in such parties to make the retiree feel special. They usually share some of the best moments they had with that particular person. After a while, these lectures can become quite monotonous for others.

Adding a couple of funny anecdotes and retirement jokes may be of great help to revive the interests of other listeners. Many service providers provide personalized retirement speeches to individuals after understanding their requirements. Generally, they add a few retirement jokes pertaining to the profession of the retiree.

There are plenty of joke books available in bookshops that contain a wide range of retirement jokes. These jokes can be easily included in the retirement speeches to make them more interesting. Retirement joke books make interesting retirement gifts as well. However, it is advisable to confirm that the book contains appropriate jokes depending upon the mutual relationship.

Many websites provide some of the most hilarious retirement jokes. There is also a compilation of various humorous quotes and witty one-liners on these websites.

Some quotes are exclusively meant for retiring people belonging to a particular profession. For instance, “Old teachers never die, they just grade away” or “Old geologists never die, they just recrystalize.”

Retirement provides detailed information on Retirement, Retirement Plans, Retirement Communities, Individual Retirement Accounts and more. Retirement is affiliated with Retirement Financial Planning.

Article Source: http://EzineArticles.com/?expert=Kevin_Stith

Technorati Tags: Retirement, Retirement Plans, Retirement Communities, Individual Retirement Accounts

It’s been a good run for you, and now you are thinking about retiring – but are you really ready for it?

A lot of people retire without really putting much thought into all the things they need to plan for prior to retirement – and these are the people who end up having money woes at a time when they should be enjoying the fruits of their labor.

These are the people who fail to use financial planning software to guide them towards a better and brighter future.

Of course, there are those who really prepare for it by investing in tools that would assist them in their retirement planning every step of the way. These people use the help of retirement planning software as their guide towards a more comfortable retirement lifestyle. As tech-savvy as it may sound, retirement planning software are actually very user friendly.

Even those who only have basic computer know-how will have no problem using retirement planning software, with its foolproof step-by-step action guides and sound retirement planning tips that anybody can easily follow.

The beauty of this software is that you don’t have to leave your home to take action in your retirement plans. Gone are the days when you have to make appointments to consult with professionals regarding your plans for retirement.

If you suddenly wake up in the middle of the night besieged by certain fears about retirement, it is so easy to just turn on your computer, run your financial planning software and navigate through it until you come across the section that discusses whatever fears you might have about retirement.

Try, as you might, no human retirement planning advisor would enthusiastically entertain your queries in the middle of the night.

There is a variety of retirement planning software programs out in the market nowadays, with different retirement planning software ratings, offering a variety of solutions and styles of presenting information. In general, all of them aid you in adding up and computing your monetary figures and numbers, but explore each and every program you come across and compare their differences to find out which one will most likely serve you and your family’s needs best.

Retirement planning software is easy to find in most stores that sell computer software. They are also readily available on the Internet. Scout around for software that has the best program for you at a price that can’t be beat. Keep in mind though, that the most expensive program isn’t necessarily the one that you should get, or that the most value-for-money software is lacking in terms of program content.

It all boils down to personal preference, and the best way to make the smartest decision about purchasing a retirement planning software is to know how exactly you envision your future to be and what kind of aid you might need in order to attain it.

Jeff Dodd is a master expert writer on Retirement Planning Software. If you like more info, head over to http://www.simplyretirementplanning.com.

Article Source: http://EzineArticles.com/?expert=Dave_Poon

Technorati Tags: retirement, financial planning for retirement , retirement financial calculator, retirement income calculator, r

The basic criteria for Social Security Retirement Age are the individual’s birth date. Studies have revealed a fact that these days are more health conscious and thus life spans have increased. And as a counter reaction Social Security Retirement Age has been modified accordingly.

People can enjoy the benefits of the service in proportion with their age. There is a section of individuals who prefer not to work after a certain age. They can take advantage of the services by planning for their future well in time. Social Security retirement age is one of the major factors kept in mind while formulating the plans for retirement as well as the age appropriate for retirement.

Earlier Social Security Retirement Age was fixed at sixty-five years for long, along with the option of getting premature retirement at the age of sixty-two in case an individual demanded for it.

Though some benefits were accordingly reduced for them. People working in congress are given the charge of formulating various necessary aspects regarding the issue. Various informational surveys and study of social conditions have been taken into account by them before finally deciding the Social Security Retirement Age.

These councils have to visualize the basic needs of people and accordingly bring out the Social Security retirement age along with the different amount of benefits that the individuals will be getting at various stages.

Social Security Retirement Age Reflects the Needs of the Community

Depending upon there personal situations people have varied preferences as far as Social Security retirement age is concerned. Some prefer to keep working for as long as possible and get the complete benefits while others may opt for getting an early break and settling off with a lesser amount of money in the process.

There is another group who wants to continue working even after their specified retirement age. So various people have different visualizations and situations according to which they have their choice of how and when they want to take the final break off from work.

Social Security Retirement Ages are well specified according to the time of birth of a person. Complete benefits are offered to people born before 1973. They can opt to retire at the age of sixty-five and can enjoy full benefits.

Individuals born between 1943 and 1954 have the option of going on with their work till the age of sixty-six, and reap full benefits. People born after 1960 can retire at sixty-seven taking the advantage of all benefits.

Along with all the above criteria’s, all individuals have a fair option to retire at any stage, but their benefits get reduced accordingly. People also prefer to put in some extra money all the way during their tenure and get equally better amount at the later stages.

You can also find more info on Retirement Plan and Active Retirement Living 1retirementplan.com is a comprehensive resource to know about Retirement.

Article Source: http://EzineArticles.com/?expert=Wade_Robins

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A retirement planning investment income calculator can be an invaluable resource to helping you reach your retirement goals. The truth is, just about nobody wants to spend their later years working just to have enough money to live.

Unfortunately, that’s what the vast majority end up doing in their later years, because they failed to plan properly on how much money they would need to live after work.

A retirement planning investment income calculator can be a big help in this process. There are many retirement planning calculators online today, and they can show you how close you are to achieving your retirement goals.

Most of the companies who have these investment income calculators available do so with the plan that you will eventually enlist their help in mapping out your retirement goals. Whether you do work with that company more extensively or not, these tools certainly can help you regardless.

If you are over the age of 40, then it’s absolutely essential that you at least begin planning for your retirement. Each retirement planning calculator will start with your age and then help you conduct your plan based on the age you wish to retire at.

The other duties of a retirement planning investment income calculator will help you with such things as income, desired income, and desired estate value. Don’t settle for less then you deserve during your retirement goals. Think big during this process, and you will achieve it.

Using a retirement planning calculator can be an incredible enjoyable experience, because it helps you ponder what you want to do after you quit your job. Again, don’t limit yourself in this process.

First of fall, write down everything you’ve ever wanted to do or experience in your life; just write down everything. Once you know this, then you can go though and pick out the things you haven’t yet done but would like to do, and focus on doing that in your retirement years.

As soon as you have all your goals written down, all you have to do is figure out the expenses they will require, and then formulate a plan to get there. A retirement planning investment income calculator will be a crucial part of this process.

For more great
retirement planning investment advice, check out
http://www.online-retirement-planning.com, and get some great
retirement planning help.

Article Source: http://EzineArticles.com/?expert=Josh_Neumann

To Your Retirement Success,

Kenneth of Edwards
Blog-n-Butter
Director

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