Making the Most of Retirement
Home
Chapter 1: Retirement Brings Changes
Chapter 2: The Effects of Retirement
Chapter 3: Income & Expenses
Chapter 4: Your Current Inventory
Chapter 5: Government Programs
Chapter 6: Employer Retirement Plans
Chapter 7: Methods of Risk Control
Chapter 8: Savings & Investments
Chapter 9: Crime and the Retiree
Chapter 10: Legal Aspects in Retirement
Chapter 11: Wills & Trusts Planning
Chapter 12: Taxation Issues
Chapter 13: Summing it All Up
Appendix 1
Appendix 2

by  Dwight L. Adams, MS
Certified Gerontologist,  Retirement Planner
Copywrite 2003 Senior Planning Center

             With Contributions  by
                John L. Sandberg
               Attorney-At-Law

ENJOY YOURSELF -- IT'S LATER THAN YOU THINK!
   "Everything is farther than it used to be.  It's twice as far from my house to the bus line now, and they've added a hill I just noticed.  Buses don't stop for as long either, but I've given up running for them because they get away faster than they used to.

 
  "Seems they're making stairs steeper than they used to or something --maybe that's because it's so much further from the first floor to the second floor, and it's becoming difficult to make two steps at a time.
 
  "Have you noticed the small type they're using today?  One has to squint to make out the news.  Now, it's ridiculous to suggest that a person my age needs glasses, but it's the only way I can find out what's happening without someone reading to me, and that isn't much help because everyone seems to speak in such a low voice I can scarcely hear them.
 
  "Even the weather is changing.  The winters are getting colder; the summers, hotter.  Even the rain is much wetter and one has to wear boots. And the windows, the way they make them today the drafts are more severe.

  "People are changing, too.  For one thing, they're younger than they used to be when I was their age.  On the other hand, people my age are so much older than I am.  I realize that my friends are in middle age, but there's no reason for them to totter into old age!
 
  "I ran into a friend the other night at a party, and she had changed so much that she didn't know me.  "Put on some weight," she said.  "It's all this modern
food," I said.

  "You know, I got to thinking about her this morning and I looked at my reflection in the mirror, and you know what?  It seems they don't use the same kind of glass in the mirrors anymore."
 
 --quoted from Dr. Phillip M. Randall, 1989
    holds Ph.D in Industrial Gerontology

This Workbook is used in the following college course:
Gerontology 5380 / 6380 Retirement Planning and Adjustment at the University of Utah Department of Gerontology College of Nursing
 
The information contained in this book is for educational purposes, and is subject
to changes in law and it's interpretation. All specific questions of a legal or tax nature should be referred to your attorney or qualified tax advisor. The authors specifically disclaim any and all liability, loss or risk, personal or otherwise, which is incurred as a consequence directly or indirectly from the use and/or application of any of the ideas, suggestions, techniques or contents of this work.
 
With grateful acknowledgement to my friends at Weber State University Center on Aging: Louise Lintz and Roy Van Orman and at the University of Utah, Gerontology Department Dale Lund, Michael Caserta, and Scott Wright. Also to my partner, John L. Sandberg; Without these people this work would not exist. But most importantly, to my wife, Rachelle, who edited the entire work and added the art work. To her I dedicate this text.
 
Note: Since 1900, the percentage of the U.S. population over age 65 has more than TRIPLED by 1995. Over age 65 currently is 13% of our population. By 2030, it is expected to be 20%, or 1 in 5 of all Americans.

 
 

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