Melting Swiss glacier yields Neolithic trove, climate secrets (AFP)
AFP - Some 5,000 years ago, on a day with weather much like today's, a prehistoric person tread high up in what is now the Swiss Alps, wearing goat leather pants, leather shoes and armed with a bow and arrows.
People consider worrying about their retirement income as something they will deal with when they are closer to that age. Perhaps in years it does seem like a big stretch of time.However, when you consider the big picture of how long it takes most working individuals to save enough to feel comfortable in retirement, it's actually short years. Ironically, after these 45 years of work, most retirees still lack sufficient capital to quit the work force.
Do you know the number one question asked by future retirees? Exactly how much do I need to save in order to feel secure after leaving my job? The answer can be difficult to find!
First, realize that you'll be on an income that doesn't change. You will know what your savings allow you to spend. A budget is your greatest friend if you know how to let it work for you. One great thing to know is that saving small amounts in certain areas can even cause your assets to grow, giving you more money to play with in future funds.
Do yourself a favor! Keep track of all your expenses in one place so you can go to it quickly if needed. Know to the dollar how much you'll spend on fixed items such as fuel, insurance, even rent if this applies. Doing this monthly, multiplied by 12, will apply an easy way to allow movement from one expense to another.
For example, most people will not need fuel for heat 12 months out of the year. They actually may only need heat for maybe 6 to 8 months. The 4 months they don't need fuel can be moved to cover another cost or even better, add to your savings. One thing to remember, if you're on an unchanging allowance, cost will go up, even if your income doesn't. There are ways to overcome this fact of life and actually have fun doing so.
Consider all the things you enjoy doing, then simply find ways to do this while bringing extra cash in. For a beginning process to get your ideas flowing, some people love swimming. How much flavor and excitement would it add to your life to teach kids to swim, while you yourself do the very things you love to do? With an added bonus of making money to add to your retirement income allowance or savings.
Another idea could be music. Millions have a passion for music, playing it themselves in many cases like a guitar or piano, or even a french harp or accordian. They've played for years, but never gave a thought to help others to learn, making money at the same time. Why not have the best of both worlds?
Your retirement income will affect your life in many ways. Some recommend learning to live modestly with less money coming in. Sometimes that may be true. However, if you have a computer and a bit savvy, you can have a home business, working your hours, bring in extra money to pay bills, travel, go on a vacation, or simply smile all the way to the bank, knowing your nest egg is growing every day.
Having a retirement income that allows you to enjoy your golden years is easy to do. Go to http://www.EnterRetirement.com for the complete guide to show you how to make extra money to live your retirement as you had always dreamed! Follow along with a fellow retiree who is learning how to take his future into his own hands, using the power of the internet at http://www.MyDotComDream.com
