I’ve been thinking about the advantages and disadvantages of downsizing to a smaller home after retirement. This is what I’ve come up with so far…

Advantages

The first and most obvious advantage is that, if your existing home is worth a lot of money because of its location and size, and/or you have a lot of equity in it, the sale of the home could give you a cushion of money to make life in retirement a little easier and fund some of those ‘bucket list’ adventures.

I’m assuming that you would be moving to a property that would be easier to manage as you got older – not one that’s going to make life more difficult (although I accept that I could be biased because cleaning and other assorted, household-related tasks are not really my thing and I can’t imagine that ANYONE would CHOOSE to spend MORE time engaged in those activities!)

Downsized would, presumably, mean cheaper as far as heating, cooling and property tax bands are concerned.

If you like decorating and/or DIY, you might relish the idea of ‘doing up’ another home and putting your personal stamp on it.

You could have a fresh start and get rid of some of the clutter and ‘stuff’ that you’ve accumulated over the years. (Although having to get rid of much-loved stuff because you can’t fit it into your new place could also be a disadvantage…)

And, of course, downsizing would also bring the opportunity to look for a neighbourhood with close proximity to the amenities and services that will be useful in later life if your health deteriorates and you can no longer drive.

Disadvantages

The most obvious disadvantage that springs to mind is leaving your old home, neighbourhood, and friends and neighbours behind…

…which means acquiring new neighbours – which could be a good thing or a bad thing, depending on the personalities of those new neighbours.

There is, of course, an emotional cost to leaving a home where you raised a family and spent many happy years of your life. If you’re downsizing from the family home, you may also meet some resistance from your kids for the same emotional reasons.

Another big disadvantage MAY be that a downsized home may mean a ‘not-as-nice-as-the-old-one’ home… or a ‘not-enough-room-when-friends-and-family-come-to-stay’ home (although this could, equally, be an advantage and a useful excuse if you don’t particularly enjoy the company of some of your friends and family members).

A smaller home might mean a smaller or non-existent garden (again, not a problem for someone like me – I hate gardening and it would save me the cost of having to pay someone else to do it for me!).

Moving home can be stressful at any age and, I suspect that, the older you get, the more stressful it feels. And, of course, the costs associated with selling a home and buying another will only add to that stress!

I’ve moved 8 times in my adult life – twice, temporarily, to apartments which brought me into close proximity with my neighbours. In my experience, the worst thing about downsizing to a smaller place is the fact that you, very often, put yourself closer to other people and their noise. The thing that I love best about living in a detached house is the fact that I don’t have someone else’s noise (from blaring music, social activities, domestic arguments, etc) coming through my walls.

I think if I was considering making a permanent move to somewhere with a party-wall, I would, at the very least, have to ask my potential new neighbours (as nicely as possible) if they were likely to be noisy, and I’d probably go around the neighbourhood, knocking on doors and canvassing the opinion of the inhabitants about the peace and quiet of the area. I think that, when you’re downsizing to a place that you hope to stay in for the rest of your life, you need to be more discerning than you have ever been at any other time in your property-hunting life – particularly if you’re buying a home. (If you’re renting you can, at least, move on again after the initial rental period is up!)

Many people who like to have access to theatres, cinemas, restaurants, etc, consider moving to city centre apartments in retirement. I lived in a city centre apartment for six months and, whilst I loved the bustle, buzz and convenience of city centre life, I definitely didn’t love being wakened every Friday, Saturday and Sunday morning at 3 am when the casino around the corner opened its doors and disgorged, en masse, its patrons, who then either tried to extend their evening’s entertainment by continuing their conversations on the street beneath my window or roamed the area, noisily looking for taxis to take them home.

Maybe the key to all this is to rent a home (of a similar size and quality to the one you’re considering downsizing to) for six months, before committing yourself to a permanent move. At the end of the six-month period, you’ll have a much clearer picture about the viability – and sustainability – of such a move, and, if you’ve hated every minute of living there, you can lick your wounds in your old pad and re-adjust your downsizing plans in the light of the knowledge gleaned from the experience…

Visit link: The Pros and Cons of Downsizing Your Home After Retirement

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When you think about planning for your retirement, it is best to go about it in an orderly fashion. Starting out on a whim without making informed decisions most often lands you in positions you do not want to be in.

Retirement planning calculators are effective first steps to planning your savings. They are actually used much before you start to save, as they give you an idea as to the amount you will need to set aside, and where to allocate those funds.

Retirement planning calculators take into consideration two factors. The first is the position which you are currently in. This is important as it will be able to tell you just how much money you can set aside as savings. The next is the kind of life you intend to lead when you age, which will tell you how much you will need to have saved up at the end when you retire.

Although retirement calculators can be extremely insightful, they can only be accurate if you are open and honest with yourself when making assessments. It is important to be truthful and realistic for the model to be beneficial. Make sure you factor in not just the basic and ancillary needs, but also a few wants, since they are bound to exist even with age.

There are a few big expenses which retirement planning calculators do not really include. Some of these may be buying a house, or other such investments. It is important to be mindful of these and keep some money set aside for them although they may not be a part of your calculations.

Spend some time with yourself and plan for your later years. Tools like the retirement planning calculators can help you put a perspective into what your finances are and how they should look, although the eventual saving has to be done only by you.

See the original post here: The Use of Retirement Planning Calculators in Saving

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Stretching from the Caribbean on the North to the Pacific Ocean on the South, the Veraguas Province in West Central Panama holds some of the most beautiful landscapes in the country. It is the only province that touches both bodies of water. Its capital city, Santiago, is the third largest city in Panama. If you turn north from Santiago, within a two hour period you will pass through the San Francisco district, arriving in the small village of Santa Fe. San Francisco is noted for its Iglesia (Church) de San Francisco de la Montana, which dates back to 1727.

We visited in the rainy season, and all the mountain streams and rivers had become rapids, with the rushing waters demonstrating their power as they crashed over and around the many outcropping of boulders in the stream beds. Standing on a bridge and looking down could easily cause a feeling of dizziness. I know. I did it.

Arriving in Santa Fe is much like arriving at the end of the world. It is estimated that the population is slightly less than 3000 people and until relatively recently had few tourists. Even today, a person who knows no Spanish can have difficulty communicating. Fortunately, when my wife and I arrived in Santa Fee in the latter part of September of 2010, language was not a problem. We both speak Spanish.

Horses were “parked” beside the local stores, the fruit market, and alongside the local roads. Walking and horseback riding are still the major modes of transportation for the locals. The locals’ lives center around their livelihood, church, the local market, and more rarely a trip to the “big” city of Santiago or even to David (the largest city in the western area of Panama). You are as likely to see the nearby indigenous populations in their colorful dresses as you are to see the locals in their work clothes.

The town is bordered to the north by the Santa Fe National Park, one of several major National Parks in the Veraguas Province. Much like Panama’s better known town of El Valle de Anton in Cocle Province, it is situated in the center of an old crater, and is well known for its orchids, hiking trails, and waterfalls. Santa Fe is only 30 km more or less from the Caribbean “Mosquito Coast” to its north, but due to poor infrastructure, is most easily reached by the southern route. There are plans to develop better roads to the Northern coast. Once this is done, Santa Fe will no longer be “off the beaten track”.

Because of the impending superstructure changes, and its ideal year round climate (60 to 89 degrees fahrenheit), it has recently shown up on a list as one of the top five destinations for 2011 for those considering moving to Panama. What a shame! When that happened to Boquete a decade or so ago, and more recently to El Valle de Anton, each location lost some of the natural appeal they had previously had, and living costs began to steadily rise. However, for those considering expatriate living in Panama and who do not have to have the big city next door, now is an ideal time to check out the area.

More here: Santa Fe, Panama: An Off the Beaten Track Retirement Destination

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Retirement is a much awaited time in the life of several people when they would finally be able to stop working and enjoy their life. Quite a lot of people think that once they retire they would be able to enjoy everything in life that they always wanted to. However, in order to enjoy the retirement of your dreams you will first have to save money. You will have to find some of the best retirement savings plans and start saving early on if you want to live life comfortably later on. Some of the most popular plans for retirement savings are 401K, Roth IRA, IRA, 401K.

Best Retirement Savings Plans – 401K

Those who are working for a corporation or a large company would generally be given a 401K saving plan. The plan would generally be a part of their employment contract. The money would be deducted right out of the paycheck of the employee and would be deposited in the company account. There may be a match policy where the employer would deposit an equal amount in the savings account. This is one of the safest and the easiest way to save for your retirement. This would be especially true if your company is matching up your savings.

Best Retirement Savings Plan-IRA

Individual retirement plans are also quite great for saving for retirement. If you do not have a normal 401K plan with your company or if you are self employed then these plans are the best for you. You will be able to contribute as much as $5000 each year to your savings account. The Roth IRA works in a similar manner but there are a few differences that you should know about. There will be no tax break for you for the amount that you contribute. However, you will be able to withdraw the amount on maturity without having to pay any taxes on it. For young investors, this is a very attractive option.

Quite a lot of people also consider investing in the stock market for their retirement. Although this is a very risky investment, it is also one that is highly rewarding. There are several companies that offer investments back in the company or in the market for the amount that would generally be deposited in the 401K account. If the company is financially strong, this could be a great investment option for you.

These were some of the most popular and the best options that are available for you to start saving for retirement. With these best retirement savings plan you will be able to save enough money for your retirement so that you can enjoy a comfortable and an enjoyable retirement.

See the original post: Best Retirement Savings Plans to Consider

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Baby boomers are retiring in masses, which means a huge sum of valuable expertise is being taken off the work force. For the companies they are working for this is a huge loss, unless these companies are ready with the second line of executives who have been trained by the baby boomers while on the job.

The reality is that not all of the retiring baby boomers are leaving fully trained successors to carry on their jobs. In addition to that there are companies that are just starting and haven’t had the chance to benefit from the expertise of the baby boomers.

Fortunately there is a way for companies to benefit from the expertise of the baby boomers even after they retire. Retired executives can still help the current work force by offering their expertise in different forms. One of these forms is coaching of current executives.

Executive coaching is a rapidly growing business, through which businesses, non-profit leaders, entrepreneurs, corporate executives, and fortune 500 companies get the chance to provide the proper training for the new or future candidates on leading their organizations to achieve their desired goals.

Baby boomers could still retire from the duties of their executive jobs, while still offering their coaching to their successors and to the new businesses.

Less than a decade ago executive coaching didn’t have any standards to measure the success or the R.O.I. of the coaching. Although still it’s not a clear cut, the process has been regulated and matured in the form of coaching firms that take care of holding the coaches accountable and at the same time protect their interests.

With new businesses emerging every day in North America realizing the importance of having their executives, or even the businesses owners themselves, trained on the hand of experts in their field they put a demand on executive coaching. It’s up to the retired executives to fill that demand.

Here is the original post: Semi-Retirement for Baby Boomers

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Increasingly, Americans are finding that retirement is an elusive dream. With the stock market losses and real estate value plunging, more and more senior citizens are finding out the hard way that they must continue to work past their retirement. Sadly, the statistics don’t fair well for the majority of Americans who have worked all their young adult lives just to go into the golden years struggling to survive.

By the numbers:

1% Retire wealthy

4% Retire financially dependent

5% Still working

36% Dead

54% Broke and dependent on others

Individually, most people achieve mediocre results because of various reasons. Lack of education, lack of skills, unmotivated, handicap, or one of many other factors that dictates ones success in life.

Most people nowadays arrive at retirement age and find out that the choices and decisions (or lack of choices and decisions) have inevitably placed them in dire financial hardship. Money is something that you can get back even if you lose it or never even had it. Unfortunately, time is the one valuable commodity that they cannot get back.

The statistics are just food for thought. Where do you want to find yourself at age 65? I know I want to be in the 5% of the people that retirement financially comfortable. But, if I continue down the same path, I will find myself somewhere in the others. The one variable we cannot control is of course, life. No one knows what tomorrow may bring in terms of health or even tragedy.

But I suggest living your life in the attainment of striving for the improving your circumstances. In order for things to change, you have to change. Success and financial freedom aren’t a matter of luck, it’s a matter of ambition and desire combined with persistent action.

More here: Alarming Retirement Statistics for a Typical American 65 Years of Age

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Baby boomers: restore your retirement and improve your health with a product not only great for you but all your friends. Protandim, developed by Dr. Joe McCord, who received a Nobel Prize for his work, fights free radicals with anti-oxidants that we all read about. But, Protandim has the impact and anti-oxidant power of drinking over 200 glasses of red wine! Just one natural pill in the morning, and it begins to fight free radicals that cause heart disease, diabetes, arthritis, inflammation, and over 200 others.

ABC Primetime was so impressed, it did an ABC special you can view and then go to the business opportunity that will be a no brainer sell to friends who suffer from the above mentioned diseases. Now, over 20 universities are studying Protandim, and The Ohio State University just released a report showing a very positive effect on delaying heart disease. These reports are all peer reviewed, and will continue to come out. You are at the beginning of a business that will grow exponentially over the next five years, so now is the time.

Oh yeah, and the skin cream is showing that it will impede melanoma and skin cancer because Protandim is a genetic activator – it transcends everything else out there. They are even working on creating a different category for it because it has so much science behind it. Comprised of all natural ingredients, it has three patents, is being publicly traded, and waiting to take off and not only make a lot of people healthy, but wealthy!

Read this article: Baby Boomers: Restore Your Retirement and Health

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You have done your part well. Now it is the time to feel relaxed after toiling for many years to earn a living. The next important step is to decide about the retirement investments. The retirement investments must be made in such a way that the returns obtained from the retirement investment must be high. The factors to be considered while investing the money are finding risks involved that is to ascertain that whether the investment is a fixed one or variable one, the amount of return, time period of investment. The options available to make retirement investments are

Real Estate

The five things which must be pondered before venturing into this kind of retirement investments are location, Market value, Structure, what entity is selling it, Financial standing. This sector is one of the booming sectors and one can expect to get big returns but at the same time one should realize that investment in this sector is not fixed and it is affected by political instability and economic downturn.

Bank

If one does not like to take risks then one can make investments in bank products or guaranteed funds etc. Even though the returns are less in this investments it is not affected by external factors like political instability and economic downturn etc. In India one can invest in government securities like public provident fund which gives good return of retirement investment for high tax-payers as it provides tax rebate of 20%. The main problem associated with this investment is absence of liquidity. One can take the money invested in first year only in seventh year.

Life Insurance

Older people still want to make their investments in Life insurance. It ensures financial protection on accident or death. The benefit of this retirement investment is it covers the financial interests of the family on the death of the policyholder.

In order to truly maximize the returns one must invest some percentage of money in all of these investments as each one has its own advantages and disadvantages.

See more here: Where to Invest After Retirement

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During our retirement years, a very important consideration for all of us is how we can make life more accommodating. Clearly, using technology can help. That is; the tools of technology can and will accommodate your planned lifestyle in ways that reduce time consuming activities and allow you to focus your efforts on what you really want to do.

At the same time, you will have the world at your fingertips. These tools are a means to an end! If you need to spend excessive amounts of time figuring out how to use the technology, then what is the point?

I’m reasonably certain that you have some understanding of the benefits of technology.

You go online to bank, invest, find volunteer opportunities, participate in interest groups, and perhaps even start up something new for fun or profit. In my many years of experience as a technology facilitator for a public school district, I learned that there are few things in life that tools of technology cannot help you with.

If you need help understanding and utilizing the tools of technology and you have Internet access, there are extensive resources available to you. For example, Generations on Line states that their mission is to “promote technology to enhance the quality of life of older people.” They attempt to reach out to older Americans who do not enroll in any computer or Internet training. They provide specially programmed software to senior centers, public libraries, and other locations where seniors meet. There is no cost to elders. All of the software is available online. Seniornet has an all inclusive technology link that include a wealth of information on tutorials, tips, and demonstrations. The American Association of Retired Persons offers convenient and easy to understand online assistance via their Learntech link. There is help with scanners, MP3 players, working with surge protectors, and even advice on how to play video games. I’ve recently noticed that they are offering tech advice on how to buy an HDTV. If you reside in a community with an active adult education program, there is always that possibility that you can enroll in an evening course. In my second book, entitled Technology & Your Retirement Lifestyle: Tools For the New You, I discuss in detail a variety of these tools including Bluetooth technology, PDA, GPS systems, and webcams.

The following examples illustrate ways the tools of technology can be of use to you.

MEETING PEOPLE AND CYBERDATING

With the evolution of the Web 2.0, it has become easier to meet new friends and yes, even to develop a romantic relationship through Cyberdating. The social networking websites that we have been discussing have opened new doors for many people. It is easy to develop new relationships based on common interests.

Eharmony – Dr. Warren, a well-known author and clinical psychologist, founded this site in 2000. Its success is based on matching compatible singles supported by its new service that helps couples achieve stronger, healthier marriages. Their marriage wellness program is supposed to encourage marriages to flourish by building a deepened sense of understanding, appreciation, and connectedness.

Match.com – The goal of the site is very plain: ” to take the lottery out of love.” Instead of leaving the process totally to chance, the site allows members to take control of their own romantic destiny. The site boasts twenty million members. They have created a great many tools to make it easier for you to narrow your search utilizing every possible criterion. MatchWords supposedly assist you in finding someone that shares your common interests. These key words create a portrait of you that is shared with others. For example, popular match words for men include movies, walking, running, music and black hair. Popular words for women include reading, travel, honest, swimming, and family. Apparently, match.com must be pretty successful as more than 400,000 people made romantic acquaintances during 2006.

VIRTUAL VOLUNTEERING

The word virtual means doing something in almost every respect. In this case, the one aspect missing is volunteering while not being there. Tasks are completed via a home or work computer. Virtual volunteering can really also be referred to as online volunteering, online mentoring, or teletutoring. Of course, in to do this you’ll need to be somewhat skilled in using your computer and navigating around the Internet. Volunteer agencies can expand the benefits of their programs by allowing a greater number of volunteers to participate. Additionally, new areas of volunteerism can more easily be created with the increase in staff. Potential volunteers will find it easier to search for opportunities. If you have time constraints, or if you are experiencing physical limitations, or if you have obligations at home that prevent you from leaving the premises, then virtual volunteering may be for you. There are many schools or government agencies that utilize these services if that is your preference. So, depending on your expertise, you may fit right in. And, as I indicated earlier, you can do this from any location whether it be home, office, or from the comfort of your RV.

In my next article we will explore additional ways that the tools of technology can be useful to you during your retirement years.

Read more here: Your New Retirement Lifestyle – Using the Tools of Technology (Part 1)

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Baby boomers start turning 65 this year. According to the Pew Research Center, the largest generation of people – approximately 78 million- will start turning 65 at the rate of 10,000 people every day for the next 19 years.

In the past, age 65 was the retirement finish line – where collecting a pension and social security for a few years was the standard for retirement income. That scenario most likely will not play out the same way for many baby boomers or for future generations. Fewer company pension plans exist today and people are living longer than before. Longevity comes with a higher price tag too: ongoing living expenses, inflation, healthcare and taxes.

It’s time to get real with your retirement planning in 2011. Perhaps the two most critical questions you want to get answers to right now are (1) how much money will I have for retirement? and (2) Will that be enough to live comfortably?

Run the numbers. In order to answer the critical questions and get a better idea of where you stand financially, you have to do some calculations.

To make the process a little easier, first gather your most recent statements for social security, investment accounts, pensions and annuity contracts. Other helpful information may include a current budget of your income and expenses, recent tax return, and your net worth – a listing of your assets and liabilities.

A good starting point for running your numbers is using an online retirement calculator. They’re relatively easy to use and can help you paint a very basic picture of possible outcomes. However, there will be some guesswork on your part when using the calculators. You will have to make some assumptions or estimates for a few factors like investment rates of return, inflation and life expectancy. Consider trying out more than one calculator; some are generic, while others are more sophisticated and can provide personalized projections and recommendations.

Next, analyze your data more than one way. Create multiple scenarios and use in side by side comparisons. You can do this by changing your assumptions: for example, try out more than one retirement age, change the level of spending over the course of the plan, look at longer life expectancies – to age 90 and 95, etc. And, if you’re married run your scenarios together and separately so you can see the effects when one spouse lives longer than the other.

Keep in mind that while online retirement calculators can be a good starting point, no calculator can provide 100% accuracy in projecting future outcomes. Run your numbers at least annually so that you can update assumptions and account for any life changes. Also, consider getting a second opinion from a financial advisor or accountant who may be able to help you manage your assumptions so that you’re not too optimistic or too conservative in your planning.

The road to financial security is challenging. Running your retirement numbers is an important step in helping you see where you stand today; are you on track for success or for a potential shortfall? The more you know now the more you can do to better protect your financial future.

See the rest here: Get Real With Your Retirement Planning in 2011 – Part 2

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We all are living in present world and often we ignore the future. The lifestyle which we are maintaining in the early days of our career, will we be able to maintain same kind of lifestyle during our retirement days. If you want to live the same kind of life style which you had maintained during early days of your earning, then you need to do planning for your finances. More early you will start planning for your finance, more wealth in the form of savings you will have at your retirement age.

Need of Retirement planning is as much as, as of you wants a vacation to World tour. General mindset of people is they start retirement planning only when they are into the last stage of their career.

Here I am outlying 5 steps, which can help you in having perfect retirement planning:

1. Start early

When the word Retirement comes in mind, the first thing strikes in mind is older age, and that’s the probably reason why people start so late for retirement. If you want more corpus at the end of your job, during your retirement you probably need to start as early as possible in your earning days.

If the same investor had commenced his retirement planning exercise a little earlier, a lot of those complaints against retirement planning probably would have evaporated. So the secret lies in making an early start. We have an illustration on how ‘expensive’ retirement can become for the ‘late riser’.

2. Make a plan

Planning is most important in your life. Planning plays a major role in all small or big works that you do in your life which includes your day to day routines as we as, for future plans. Achieving your targets through planning is the whole sole goal for making a plan.

Before you embark on saving for retirement, you must have a plan in place. While a plan may sound fancy and even intimidating, rest assured it is not all that complicated. Your retirement plan is simply your wishlist of how you wish to spend your twilight years.

3. Consult a financial advisor

Retirement Planning, no doubt requires a high level of involvement from your side. But it also requires involvement of some specialist who can guide you on your investments, where you should invest and for what time you should invest how much amount. This specialist is your financial advisor. Financial advisor can certainly help you in increasing your wealth through your investments. He can guide and let you know exactly wealth or money in terms of numbers which you will have during your retirement.

4. Track and review your plan

Making a plan and the reviewing it to periodically to see what you are achieving is the nest step. You need to see that what has been framed in your plan, you are on the right track to achieve those life goals. This requires effort for your advisor and you need to take a feedback on your financial plan from him on regular basis.

He will actively monitor your investments, exit the investments that are not performing up to the mark and invest in alternative investments. Over time as you approach retirement; he will reduce allocation to risky assets like stocks and/or equity funds in favour of more conservative avenues like fixed deposits.

5. Don’t dip into your retirement savings

If you want to successfully achieve all your goals for retirement planning, you need to show discipline in all your investments. It will require a continuous and disciplined action for your investments. You will require allocating some part of your earnings separately to invest for achieving your retirement goals. Another aspect of discipline relates to treating your retirement corpus as sacred.

One major reason which lets many people to withdraw their money or discontinue their investments is because of the financial emergency, which suddenly comes in life. Your disciplined financial life will require that every time you are confronted by a financial emergency you should not rush to withdraw from investments that are earmarked for retirement. Of course, if there is no way out, then you can withdraw from your retirement kitty, but make sure you make good that withdrawal by putting an equal amount at the next opportunity.

Go here to read the rest: Steps to Perfect Retirement Planning

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“I don’t blame you and you definitely deserve it. But isn’t there a chance you’re gonna be bored?” It was a simple line of enquiry. And one undoubtedly adopted the country over when news of a loved one’s retirement filters through. Dad’s reply was pretty succinct: “It’s all about having things to keep yourself busy.” Made sense. After all, following the best part of 40 years working hard to pay the mortgage, it’d be easy to slip into a routine of Loose Women and Deal Or No Deal.

Yep, it’s fair to say the topic of retirement throws up some obvious questions. Luckily, one question you needn’t worry about is what to buy the new lady or gentleman of leisure. Nowadays, retirement gifts are big business, while personalised retirement gifts go one stage further and add a little extra something. So if you’re after some retirement gift ideas, have a read through these suggestions.

One option for a great retirement gift is to buy the retiree a day out. Not the sort of daytrip you get with a minibus and a carer – they’re not there quite yet – but one they can take with their other half. There’s more than enough choice, too, ranging from vineyard tours and afternoon tea at Harrods, to an ‘eagle day’ in North Yorkshire or a tour of Blenheim Palace. Plus, of course, you’ve got lots of other possibilities based in and around the capital.

For a personalised retirement gift with more of an onus on putting your feet up, there’s only one word – alcohol. It’s easy to get hold of personalised Champagne, wine and whiskey, which can be customised to include Retiree’s name and a message on the label. You can even give it another fancy twist by packaging it up in a satin-lined box. It’s all very swish.

Booze and days out aside, funny retirement gifts are in no short supply either. Friendlier on your bank balance, spoof newspapers are perfect for some light-hearted ribbing. And because they’re approved by The Mirror, they really do look the real deal – unlike a lot of poorer imitations. Alternatively, gardening magazines, calendars and even framed matchday footie programmes.

Visit link: Retirement Gifts With a Difference

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