Guide to Social Security and Other Benefits for Pensioners

Your Retirement Planning Guide

Your Retirement Planning Guide

Don't Blame Us If You End Up Enjoying Your Retired Life Like None Of Your Other Retired Friends. Already Freaked-Out About Your Retirement? Not Having Any Idea As To How You Should Be Planning For It? Started To Doubt If Your Later Years Would Really Be As Golden As They Promised? Fret Not Right Guidance Is Just Around The Corner.

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Social Security Retirement Guide

The Social Security Retirement Guide written by Jim Blair is your essential guide to the process of claiming the money that is owed to you upon retirement. Many people begin this process with no knowledge of how it works and how complicated it can be, and quickly resign themselves to the easiest option given to them, which can mean losing out on a considerable sum each month. All you need to do is look through the guide to find the section which applies to you, and follow the steps to determine how much you are entitled to, and what kind of option will get you the best deal. You will be shown how to proceed through the entire process, from deciding when to make your application to receiving your first payment. There's no more waiting in line for hours only to find you haven't been given a straight answer- this process is quick and can be done from the comfort of your own home, at your leisure.

Social Security Retirement Guide Summary

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Victor wont believe it how young Meldrews are now

Years of relentless grind in the country with Europe's longest working hours has soured the 35-54-year-olds into 'premature pensioners', claims the MORI Social Research Institute, which labels them as 'consistently cross and fed up'. MORI says that the middle-aged have learned to grumble early partly because their seniors are enjoying a relatively good life. Over-55s are generally looking forward to decent pensions, while the middle-aged fear that theirs will be worth less than they had been led to believe. Rising house prices are also seen as ruling out hopes of a comfortable retirement move, while the media's traditional portrayal of the world as completely disastrous is now accessible and round the clock.

Can You Handle the Lifestyle

To reward your lifetime of effort, you'll continue to receive regular income. However, if your income was small, your retirement check will be even more meager. You now have more time on your hands, more hobbies to pursue and less money to pursue them with. It's also unlikely that your retirement income will cover even basic necessities in ten or twenty years unless it has been indexed for inflation. However, based on the incomes of successful Internet marketing entrepreneurs, you probably won't have to work for thirty-five years. With careful planning, I'd be surprised if it took more than five or ten years for you to build a VERY comfortable retirement fund. Chances are however, that you'll be having too much fun too stop working even after you've achieved that goal.

Working for the Company

To reward your lifetime of effort, you'll continue to receive regular income. However, if your income was small, your retirement check will be even more meager. You now have more time on your hands, more hobbies to pursue and less money to pursue them with. It's also unlikely that your retirement income will cover even basic necessities in ten or twenty years unless it has been indexed for inflation.

Hows This for a Lifestyle

To reward a lifetime of effort, you'll receive a pension. However, if your take-home pay while you were working was meager, your retirement check will be even smaller. You now have more leisure time, but less money to pursue your hobbies. What's worse is that your retirement income probably won't cover even basic necessities in ten or twenty years unless it is indexed for inflation.

You and your spouse dine that evening at a delightful new restaurant and later attend a play that has received rave

Granted, as an entrepreneur, there won't be anyone to shake your hand and show you the door in thirty-five years. However, based on the incomes of successful Internet marketing entrepreneurs, you probably won't have to work for thirty-five years. With careful planning, it may take no more than five or ten years for you to build a VERY comfortable retirement fund. After achieving that goal, you'll still be having too much fun too stop working.

The Sooner You Start The Better

Building your e-mail list has been equated to starting a retirement account. It's similar in that, if you don't get one going soon, at some point you're likely to be really, REALLY wishing you had just gone ahead and started one when you were younger. If you're just getting into the online marketing world now, then do yourself a favor and start building your list today.

Estimating Total Sales

Management needs to estimate whether sales will be high enough to yield a satisfactory profit. Total estimated sales are the sum of estimated first-time sales, replacement sales, and repeat sales. Sales-estimation methods depend on whether the product is a one-time purchase (such as an engagement ring or retirement home), an infrequently purchased product, or a frequently purchased product. For one-time purchased products, sales rise at the beginning, peak, and later approach zero as the number of potential buyers is exhausted (Figure 2-5). If new buyers keep entering the market, the curve will not go down to zero.

Personal Factors Influencing Buyer Behavior

Similarly, consumption is shaped by the family life cycle. The traditional family life cycle covers stages in adult lives, starting with independence from parents and continuing into marriage, child-rearing, empty-nest years, retirement, and later life. Marketers often choose a specific group from this traditional life-cycle as their target market. Yet target households are not always family based There are also single households, gay households, and cohabitor households.

ACORN and Related Classificalorv Systems

Prosperous pensioners, retirement areas Sottini is sold through a network of independent retail outlets. As such, the company had only limited Information on its end customers, collected from responses to advertisements. CACI was able to take this information and substantiate it with data from the Target Group Index survey of people with high levels of spend on bathroom suites and home enhancement. CACI profiled these data using the ACORN consumer classification. This analysis generated a strong profile that showed that the Sottini range was bought primarily by wealthy achievers in suburbs and better-off retirement areas. A typical Sottini

Valuemarketing Strategy

For example, real income growth for families got a boost when women entered the work force. But now, with many women already working and many baby boomers assuming new family responsibilities, the growth in disposable income is scarily slow. Aging baby boomers whose debt burden is already high realize that they must worry about their children's college tuitions and their own retirement. At the same time, the new generation of consumers is both savvier and more cynical than were its predecessors. Briefly, consumers want products that perform, sold by advertising that informs. They are concerned about intrinsic value, not simply buying to impress others.

Improving Productivity

Mercedes acknowledges that Japan's manufacturers have an average 35 per cent cost advantage over their German competitors. Japan's lower capital cost and longer working hours explain only 10 per cent of the difference. Mercedes responded by cutting 18,000 jobs in 1993 to save DM5 billion. Forced redundancies are almost unknown in Germany, so the deduction is made by the 'social measures' of the non-replacement of people, early retirement and retraining.

Being in the Right Place at the Right Time with the Right USP

I recently listened to a client, Ned Allen, President of Florida Communities and Intercoastal Communities, two retirement-community firms, reminisce about his starting the famous Steak 'N'Ale restaurants smack in the middle of a national recession. He had started the first restaurant with just 2,000, made it successful, and committed to the construction and opening of seven new restaurants just as the recession hit. Ned turned his 2,000 investment in Steak 'N' Ale into over 5 million when he sold out to Green Giant Foods. I think he's poised to make another, even bigger fortune with his new Land Yacht retirement home.

Variations in Consumer Decision Making

The Fidelity Investments ad in Exhibit 4-16 is a good example of how advertising can appeal to consumers who may be engaging in extended problem solving when considering retirement investing. Notice how the ad communicates with consumers who may feel they know little about how to plan for retirement. The ad helps the consumer by offering expert advice and planning a variety of options. The ad also makes more detailed information available by offering a toll-free number and a website.

Wal Mart organizational culture

Sam Walton's competitive spirit has also been instilled in the associates where there is great motivation to win. Retail at Wal-Mart is about scoring goals, making touchdowns and winning games. The game and team spirit is reflected in the morning cheer 'Give me a W, Give me an A, And what does that spell WAL-MART .And who is number one THE CUSTOMER'. Successes are shared in real and pragmatic terms with profit sharing, incentive bonuses, retirement savings plans and equity purchase at a discount.

Social stratification

Includes most pensioners and the unemployed Many working-class people may reach their earnings peak early in their career, whereas many middle-class occupations have incremental salary scales. Such experiences, coupled with different entitlements to, and discretion over, holidays, pensions schemes and other 'perks', are associated with different 'world views'. The daily experience of work impacts on these views where, for example, a manager may exercise discretion and make decisions, and a manual employee may work to a rigid work schedule almost like a robot. Workplace tasks, rules or norms may place restrictions upon clothing that can be worn depending upon a person's position. Where uniforms have to be worn it is usually the lower levels that wear them - even the Japanese companies excuse their senior managers from the need to wear overalls. In consequence, clothing worn during the person's leisure time may be chosen to express a distance from, or affinity to, work identity. Class...

When Youre the Boss

However, based on the incomes of successful Internet marketing entrepreneurs, you probably won't have to work for thirty-five years. With careful planning, I'd be surprised if it took more than five or ten years for you to build a VERY comfortable retirement fund. Chances are however, that you'll be having too much fun too stop working even after you've achieved that goal.

Changes in Income

In recent years, American consumers fell into a consumption frenzy, fueled by income growth, a boom in the stock market, rapid increases in housing values, and other economic good fortune. They bought and bought, seemingly without caution, amassing record levels of debt. However, the free spending and high expectations of those days were dashed by the recent economic downturn. Today's tapped-out consumers are now repaying debts acquired during earlier spending splurges, sweating out increased mortgage and household expenses, and saving ahead for children's college tuition payments and retirement.

The Transart story

Hans was smiling on the screen and his affability oozed through even the videophone. We have a possible job in Bremen, Paul. I've spoken to the Risk Management Department. They appear to have split the funding risk between a Swiss Bank, a Taiwanese fund holder and a Korean pension fund. They are all Euro rated but the competition is fierce. We have ten days to make an outline design proposal.' In total there were five pan-European syndicates that competed in certain markets. Traditional developers had long ceased to exist in the market as their Euro risk management rating had not been high enough. That reminded Paul. Transart had not sent in a copy of this quarter's accounts to the European Practice Registration Board. The Board had existed since 2005 and in the last few years, the information Transart supplied to the Board was also used to determine Transart's Euro rating.

List of Contributors

John Willans, MSc, DipM, CertEd, until his recent retirement, was a Senior Lecturer in Fashion Marketing and Retail Distribution in Newcastle Business School. His background includes work with the retail sector and with textile marketing in Huddersfield. John Willans wrote Chapter Eight on Oashion distribution. John is currently working on a new textbook, with Ruth Marciniak, on Fashion Retailing Oor Wiley-Blackwell.

Future Perspectives

When he took over, Gillette's name was on everything from sunglasses to watches to calculators. He forced a focus on a few world-leading products. However, he was now past normal retirement age, and had been persuaded to stay on the board for another year with the lure of new stock options. Investors worried about his heir-apparent, Mr. Hawley, who was 60 and had a very different management style. Compared with the clear-thinking, strategic Mr. Zeien, whose ability to communicate had been a hit on both Wall Street and in the company, Mr. Hawley came across rather as a strong operational manager.

Choice of Media

Whatever the ad's purpose, it either works or is wasted. For advertising to work you have to know where to contact your customers. Indeed, the selection of suitable media can be as relevant to returns as any creative approach. Banks, for instance, often target college students. They don't expect to make an immediate fortune, other than on overdrafts, but people are reluctant to switch banks often, so the banks are in there for the long haul. They'll make the real money in selling their customers mortgages for their homes, helping with stocks and savings, arranging their pensions, and finally executing their wills.

Television and radio

Guerrillas love the exposure television provides, even if it reaches some who may not be their targeted clients. If you want to use television, work toward being a guest on news panels or targeted talk shows. Contact the producers and inform them of your expertise and your availability to discuss a particular subject. If you're an expert on how businesses can cope with funding company pensions, approach the producers of well-known business news shows with an offer to alert their viewers on the important issues about pensions. Appearing as a program guest eliminates the costs of producing commercials and buying airtime and gives you better exposure. As a guest, you're treated as an expert authority, not a pitchman.

Random sampling

In a general survey about financial services, some information was required about those individuals using pension services. It was estimated that only 5 per cent of individuals in the target sector used pension services, so in the sample of 1000 respondents only 50 could be expected to be within this subgroup, which would not have been sufficient for detailed analysis of their views in isolation. In order to have a minimum of 100 respondents in this minority group for detailed analysis, it would be necessary to start off with an original sample twice as big, that is to say of 2000. This would have obviously undesirable effects on the timing and costs of the survey. An alternative way of overcoming the problem was simply to increase the number of respondents in the minority group to 100 without changing the rest of the sample. So the total sample size was actually 1050 respondents, of whom 100 were users of pension services. For the purpose of analysing the results of the whole sample,...

Case

To advertise itself as the friendly face in a world of financial cowboys. The combination of easy-to-understand products and low initial charges will soon be applied to pensions and life insurance, where public faith has been shaken by accusations of mis-selling and over-charging.2 Building on its early success, in June 1996 Virgin launched life insurance, health and critical illness plans and, on 1 November 1996. entered the pensions market. The introduction of these new, more complex financial products was a significant step. Virgin's PEP products were initially sold on an execution-only basis customers made their own decisions about the suitability of the product based on the information provided. With a core product range in place. Virgin Direct introduced a service to advise customers about the best financial choices for their own particular circumstances. Although it is early days to judge the sueeess of the move into life insurance and pensions, Virgin received 6,000 phone...