The Retirement Maze. Navigating your Way to Success
|
|
- Imogen Kelley
- 8 years ago
- Views:
Transcription
1 The Retirement Maze Navigating your Way to Success
2 Some Background
3 Retirement has evolved but our thinking has not. In the past Retired older Shorter life spans Retirement too brief to worry about adjusting But today Retirement is a separate life stage Not just the start of old age. The added years are nice, but The problem is trying to fill them
4 Retirement often starts out well In the first few weeks, you might have A sense of freedom, a burden lifted. A chance to reclaim your life, use time as you choose Time to catch your breath, chill out A sense of optimism Some rejuvenation -- ready to conquer the world
5 But many run into problems Adjusting to the lifestyle is not easy Only 44% are completely adjusted. 24% are not adjusted 32% are in limbo no major problems, but not completely adjusted Adjustment improves over time, but not completely for many 18% in the first 6 months 35% in 2 years 41% in 3-4 years 55% in 5-6 years. 59% after 11 years.
6 Even in the best of circumstances... Retirement can be an emotional roller-coaster. Year 1: euphoria! Years 1 2: the lows, quality of life ratings fall sharply Year 3: Quality of life starts to recover slo-o-o-o-wly Year 6+: recovery to comfortable levels
7 Adjustment occurs in stages Honeymoon Disenchantment Reorientation Euphoria, freedom, less stress, enjoy free time. Face reality and feel the loss of work -- weakened identity, self-worth, sense of purpose. Re-evaluate what it means to be retired, look for ways to improve lifestyle. Stability Develop routines and goals to provide purpose and direction.
8 After You Retire Pitfalls and Ambushes
9 Can you afford retirement? No paycheck can be nerve-wracking. Especially at first. You may have less to spend Lower annual income Limit spending for fear of running short Disenchantment
10 Many worry, but some do little about it One in three do not monitor their finances Not a good idea. Keep track of finances in their head. Its hard to remember anything at our age.
11 If you re worried, count your money Talk to a financial professional Keep a weekly ledger Provide objective evaluation Set a budget. Track monthly expenses and income Helps you stay rational The 6 in 10 who keep a ledger are Better at covering expenses. Less worried about finances.
12 Working in Retirement Working has benefits Feel retired AND reap rewards of work. Ease the transition into retirement Retain continuity and keep worker identity.
13 Reasons for working in retirement Internal reasons Enjoy working Feel productive Social benefits External reasons Financial needs Boredom Working spouse Internal reasons lead to a happier retirement.
14 Work for the right reasons even if you have to work. Internal Reasons More motivated. Emotional connection. Feel better about yourself. External Reasons Not emotionally committed. Feel less valued. Dislike the job. Feel worse about yourself.
15 Retiring Early not as easy as you think Few retired peers feel isolated. Unforeseen factors lower subjective well-being Working spouse - - limited social options. Activities are less rewarding miss working.
16 Disenchantment can grow with the years In their first year or two But after 6 + years 74% are happy 54% are happy 62% quality of life improved 42% quality of life improved
17 Handling the early departure Proactive Planning Keep work option open Retire with your spouse If can t retire together Activities search for those of personal value. Social life schedule regular visits with friends. Feel productive, connected Enhance self-esteem. Reduced loneliness and isolation. Relationship dynamics are unchanged. Plan times with and without spouse. Discuss your needs to avoid resentment.
18 The value of activities Retirees move from producer to non producer Feeling unproductive threatens sense of purpose Staying active preserves sense of purpose and productivity Leisure activities fill the gap left at the job
19 The types of activities matter Activities must be personally meaningful Some don t enhance retirement. Passive home based TV, Internet Household chores. Activities have different benefits Solo activities -- feel productive. Social activities feel connected.
20 Activities affect adjustment Well-adjusted Retirees Higher grade activities -- social, travel, personal projects. More emotionally invested in activities. More open to new things. Better balance between social and non-social. More physically active. Less adjusted Retirees More passive home activities No commitment to activities. Not open to new experiences.
21 But there are solutions Mix of personal and social highgrade activities Balance is key. Relaxing is a break, not a lifestyle. Experiment and keep an open mind Feel better about yourself. Feel better about retirement. Have more fun.
22 Friends and family Group membership Reinforce identities Social life is essential for mental health: Validate thoughts and actions. Scheduled time Emotional support
23 Social life can deteriorate in retirement Loss of co-worker friendships. Social circle drops from 20 to 12 friends. Time spent with friends drops by 50% More by or phone, less in person. Remaining co-worker friendships change Emotional connections weaken. Have less in common. No longer a team member.
24 Maintaining a social life helps adjustment Well-adjusted retirees have a better social life: Less well-adjusted have issues: Broad circle of friends Emotionally connected to friends. Belong to clubs Made new friends since retiring Broke away from co-workers Balance time with family and friends Social circle is too small. Spend little time with friends. Spend more time with family and children Social life gotten worse since retiring.
25 Love and Marriage Good marriages make the transition easier. Joint activities and pursuits Shared household chores and responsibilities. Elimination of work pressures
26 But even good marriages can go bad Conflicts can arise from many sources Over-dependency for social needs. Personal space is invaded. Interference in household management. Out of sync expectations. Incompatible interests. Money concerns. Unsynchronized retirement.
27 Keeping the peace Synchronization Stable marriage dynamics. Set and achieve goals together. More socially connected and involved. Independence Separate friends to avoid too much time together. Separate activities for personal development Consideration Allow partners to continue daily patterns. Avoid over-involvement in household management Avoid invading personal space Communication Manage expectations to avoid disappointments. Establish ground rules for a less-intrusive co-existence.
28 Retirement should offer time for intimacy, but Retirees have sex less often About 4.6 times per month vs. 7.2 for those working. The sex isn t as good, and. Has suffered since retiring Intimacy is important Partners feel more connected Feel better emotionally. Improves motivation to do other things. A fun way to exercise.
29 How We Define Ourselves Before Retirement, worker role is important: Enhances self-worth. Ensures connectedness to a group. Strengthens focus on job responsibilities.
30 Worker role: good to start out, bad to hold Start retirement with worker role Good! If held too long, hinders transition Bad! Prevents rolelessness Provides an identity. Continues to feed self-esteem Low enthusiasm for non-work interests. Alienation and disconnect. Weakened subjective well-being. Worker role must be discarded Replaced with other roles appropriate for retirement.
31 Prioritizing the To Do List
32 Two Important Rules Be vigilant Self-exploration and personal honesty. Continually gauge your happiness. Be motivated Motivation is critical -- and difficult. It s all too easy to procrastinate.
33 The Top Five Priorities Put Structure and Purpose in your life Plan, set goals, establish routines. Pay attention to how you use your time. Have Realistic Expectations Too positive leads to disappointment. Too negative leads to pessimism and demotivation. Stay Socially Connected Friends are important -- share your life stage. Have balance between family and friends. Focus on relationships outside of work.
34 The Top Five Priorities Get Your Finances in Order Financial advisors understand the lifestyle you can afford. Keep a ledger -- know whether you are living within your means. Keep Searching and Experimenting Keep an open mind adopt new ways of thinking and discover new interests. Have a range of activities some personal and some social.
35 A Review After You Retire At first you will be elated Keep a positive attitude Define yourself as a retiree But don t be fooled it won t stay this easy. Working was not always better -- your job had less than satisfying moments. Rely on roles outside the workforce. Focus on non-work activities. Build relationships with people outside of work.
36 A Review After You Retire Work if you want to And if you have to work Work is good for some. But only for the right reasons -- to be socially connected and productive. Focus on the benefits a job can provide. A working spouse or retiring young can be difficult working moderates the emotional downturns.
37 A Review After you Retire Time together and apart Balance -- separate & shared friends and activities. Avoid over-dependence. For New Retirees Avoid criticizing household management. Share household burdens. For Homemakers Realize husbands require time to adjust. Discuss issues to avoid conflicts.
38 A Review After You Retire Have more sex Feel emotionally connected, more motivated. Breaks the monotony of a slow day. And other types of exercise Treat retirement like a job Provides psychological and physical benefits. Establish routines, keep a to do list. Fill in the blanks when they appear.
39 A Review After you Retire If retiring young Planning and setting goals is crucial. Social opportunities limited without planning. Retire together shared diversions and less lonely. Talk to other retirees They understand situation and have same needs. Focus on exchanging ideas. Get out of the house Travel more, including day trips by car. Put yourself in social situations. Join groups and clubs, or create your own.
40 A Final Point Be selfish Raised a family. Fought through a career. Ran the gamut of life. Now it s your turn! Focus on yourself and your needs. Retirement is a full time job. Filling the void from leaving the workforce. Attack it with gusto, and enjoy!
Guide to a Happy Retirement RETIREMENT... IS WHEN YOU STOP LIVING AT WORK AND BEGIN WORKING AT LIVING.
Guide to a Happy Retirement RETIREMENT... IS WHEN YOU STOP LIVING AT WORK AND BEGIN WORKING AT LIVING. Agenda Introduction Things to Think About Key Elements Introduction The purpose of this presentation
More informationReturning to Work is a Lot of Work
Returning to Work is a Lot of Work Back in Motion Rehab Inc. January 2014 Returning to Work is a Lot of Work! There are a lot of reasons people have to take time off work. Sometimes people experience injuries
More informationReal Life Financial Planning
Real Life Financial Planning An Easy to Understand System to Organize Your Financial Plan and Prioritize Financial Decisions Todd D. Bramson, CFP If you are a C-Level executive or partner interested in
More informationGroup Savings & Retirement & Someday starts here. Plan for life. The basics of. retirement planning
Group Savings & Retirement & Someday starts here Plan for life The basics of retirement planning Hello. Are you close to retiring? If you re almost there, then understanding retirement planning basics
More informationWHY CAN POST-TRAUMATIC STRESS DISORDER LEAD TO SUBSTANCE ADDICTION? 3 WAYS TO MANAGE YOUR POST-TRAUMATIC STRESS DISORDER WITHOUT RELYING ON DRUGS
Take Charge of Substance Abuse Related to Your Post-Traumatic Stress Disorder Prepared by: Coping with Post-Traumatic Stress Disorder (PTSD) can be overwhelming at times and it is so easy to become dependent
More informationRetirement in Ireland 2014. A Survey Report
Retirement in Ireland 2014 A Survey Report ii Retirement Planning Council of Ireland Contents Foreword 2 Methodology & Objectives 3 Summary 4 The 2014 Survey Section 1 People Surveyed 3 Section 2 Expected
More informationCarer Awareness Training Self-paced learning
National Carer Support Services Carer Awareness Training Self-paced learning 3 - Answer Book for Department of Veterans Affairs (DVA) contracted providers Time required - 3 hour session Developed by Carers
More informationSurviving A Relationship Break-Up - Top 20 Strategies
Surviving A Relationship Break-Up - Top 20 Strategies Surviving a relationship break-up can be one of the most difficult things we ever do and on an emotional level can be one of the most painful processes
More informationWhat does student success mean to you?
What does student success mean to you? Student success to me means to graduate with a B average with no failing grades. Ferris is ridicules tuition rates don t affect me since I was fortunate enough to
More information1-800-555-5555. 800-818-2946 www.com
Call our our Senior Senior Helpline Call Helplinetoday: today: 1-800-555-5555 800-818-2946 www.com Advisor: Stuart Hindemit Please consult with your tax advisor. Borrower must continue to pay for property
More informationPlanning for the Stages of Retirement
Planning for the Stages of Retirement The Financial Planning Association (FPA ) connects those who need, support and deliver financial planning. We believe that everyone is entitled to objective advice
More informationLife with MS: Mastering Relationships with Family and Friends
Life with MS: Mastering Relationships with Family and Friends Getting the Support You Need The bonds we have with friends and family are linked to our happiness and well-being. They bring us joy during
More informationFreedom. Contentment 85% Retirement 20/20. Slowing down gradually. Volunteering Disappointment. Security. Financial stress. Excitement.
REPORT 2015 Retirement 20/20 Achieving retirement fulfillment years CELEBRATING FamilyProsperity Excitement Freedom Having to work Security Fulfilling work Slowing down gradually Boredom Financial stress
More informationEstablishing Healthy Boundaries in Relationships (Adapted by C. Leech from Tools for Coping with Life s Stressors from the Coping.
Establishing Healthy Boundaries in Relationships (Adapted by C. Leech from Tools for Coping with Life s Stressors from the Coping.org website) Introduction People with low self-esteem have their major
More informationAddressing Family Needs
Addressing Family Needs FAMILIES How Can I Build Stronger Family Ties? Everyone in the family is affected by TBI. * Your role within the family has changed and the role of your family member with TBI may
More informationFor the Support Person
For the Support Welcome to this self-care guide and thank you for agreeing to act as a Support. Your involvement is an important part of the support for the person in recovery. You may be a relative, mental
More informationOpening Our Hearts, Transforming Our Losses
Preface Alcoholism is a disease of many losses. For those of us who are the relatives and friends of alcoholics, these losses affect many aspects of our lives and remain with us over time, whether or not
More informationJROTCDL.com CADET 105 Time Management 1
JROTCDL.com CADET 105 Time Management 1 JROTCDL.com CADET 105 Time Management 2 TABLE OF CONTENTS Defining Goals... 5 Types of Goals... 6 Types of Time Management... 7 Problems and Solutions... 8 Stop
More informationyounger-onset alzheimer s I m too young to have Alzheimer s disease
younger-onset alzheimer s I m too young to have Alzheimer s disease the compassion to care, the leadership to conquer i m too young to have alzheimer s disease Alzheimer s is not just a disease of old
More informationTEN WAYS TO SUPPORT YOUR MALE LOVED ONE IN RECOVERY
TEN WAYS TO SUPPORT YOUR MALE LOVED ONE IN RECOVERY TABLE OF CONTENTS 3 5 9 12 18 21 26 28 31 33 37 INTRODUCTION UNDERSTAND ADDICTION LEARN ABOUT TREATMENT UNDERSTAND RECOVERY RECOGNIZE TRIGGERS UNDERSTAND
More informationFinancial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve
Financial Freedom: Three Steps to Creating and Enjoying the Wealth You Deserve What does financial freedom mean to you? Does it mean freedom from having to work, yet still being able to enjoy life without
More informationRecovery for Family Members
Recovery for Family Members The first, and most important, thing to remember is that people with substance use disorders can get well and so can their families. You've survived together through major crises.
More informationAS CEOS NEAR THE END OF THEIR CAREERS, THEY MUST NAVIGATE THE SUCCESSION
16_Berger 10/13/10 4:21 PM Page 169 Chapter 16 CEO Succession Planning Marshall Goldsmith, Executive Coach Leadership Development and Behavioral Change AS CEOS NEAR THE END OF THEIR CAREERS, THEY MUST
More informationRETIREMENT PLANNING AND ADJUSTMENT
RETIREMENT PLANNING AND ADJUSTMENT "The great thing in this world is not so much where we are, but in what direction we are moving. Oliver Wendell Holmes Retirement is a major event in most people s lives.
More informationIt s an awfully risky thing to live. Carl Rogers. her family. Daily routines that people were used to are now gone.
It s All My Fault Feelings When a Family Member Has an Accident and Loses a Limb Easy Read Volume # 18 Issue # 4 May/June 2008 Translated into plain language by Helen Osborne of Health Literacy Consulting
More informationSelf-help guide to recovery for Chronic Fatigue Syndrome and Fibromyalgia
Self-help guide to recovery for Chronic Fatigue Syndrome and Fibromyalgia This brief guide is written in an attempt to explain the process of recovery in chronic fatigue syndrome (CFS) and fibromyalgia.
More informationGive your paycheck the guarantee that life never promises you.
Group Benefits from The Hartford Give your paycheck the guarantee that life never promises you. Long-term Disability Group Benefits from The Hartford You re a good provider, not a superhero. I f you re
More informationLiving Your Best Life with MS USING THE PRINCIPLES OF POSITIVE PSYCHOLOGY TO MANAGE THE CHALLENGES OF LIVING WITH A CHRONIC ILLNESS
Living Your Best Life with MS USING THE PRINCIPLES OF POSITIVE PSYCHOLOGY TO MANAGE THE CHALLENGES OF LIVING WITH A CHRONIC ILLNESS 1 The Principles of Positive Psychology Positive psychology focuses on
More informationSurvivors need to be reminded to use affected limbs and impaired functions.
Progress in Recovery Stroke is overwhelming. At one moment, we are fully functional, and in the next, abilities are taken away and we feel shock, loss, fear, grief, and helpless to forces beyond our control.
More informationTABLE OF CONTENT. How to Take the First Step Is Inpatient Rehab the Right Choice? Get the Help Needed Today
TABLE OF CONTENT 3 The Need for Inpatient Rehab 3 Success with Inpatient Treatment 4 Numbers Rarely Lie 4 An Overview of Inpatient Substance Abuse Treatment 7 Participating in the Program 9 Get the Most
More informationCALL US 801-656-2092. Free Report on How To Choose a Personal Trainer. This is an educational service provided to you by The GYM
Free Report on How To Choose a Personal Trainer This is an educational service provided to you by The GYM 1 6 Mistakes to avoid when choosing a personal trainer 1. Choosing a personal trainer strictly
More informationCoDA-Tulsa Melody Beattie Codependents Guide to the 12 Steps
STEP 1, Exercise 1 1. Have you been trying to exert power or influence where you may, in reality, have none? Have you been trying to control someone or something, trying harder and harder with less and
More information7. What are the possible financial consequences of divorce?
7. What are the possible financial consequences of divorce? When it comes to building wealth or avoiding poverty, a stable marriage may be your most important asset. Drs. Linda J. Waite & Maggie Gallagher,
More informationplanning for a better retirement
planning for a better retirement retirement is the time when you finally get to do all the things you said you were going to do page 01 making the most of your retirement Retirement is the time when you
More informationTHE LONG WEEKEND: TRANSITION AND GROWTH IN RETIREMENT. M Cecil Smith
1 THE LONG WEEKEND: TRANSITION AND GROWTH IN RETIREMENT M Cecil Smith Department of Educational Psychology, Counseling, & Special Education Northern Illinois University Talk presented at the NIU Annuitants
More informationMortgage Insurance. Mortgage Insurance that is Custom Built to Meet Your Needs. that is Custom Built to Meet Your Needs. About Industrial Alliance...
Mortgage Insurance that is Custom Built to Meet Your Needs HOME PROTECTION PLAN MORTGAGE INSURANCE About Industrial Alliance... Founded in 1892, Industrial Alliance Insurance and Financial Services Inc.
More informationHealth, Wealth & Happiness In Retirement. The impact of health on retiree lifestyles and satisfaction with life. March 2015
Health, Wealth & Happiness In Retirement The impact of health on retiree lifestyles and satisfaction with life. March 2015 Background and Methodology This report presents the results of research conducted
More information5 STEPS TO TAKE CONTROL OF YOUR FINANCIAL SECURITY
5 STEPS TO TAKE CONTROL OF YOUR FINANCIAL SECURITY What would it take for you to feel financially secure? A more stable job? Being debt free? Having millions in the bank? No matter how it s defined, we
More informationHopes, fears, and reality
A Research Study Hopes, fears, and reality What workers expect in retirement and what steps help them achieve the retirement they want Retirement Strategies Background and methodology Overview This report
More informationIt s Not Right! Neighbours, Friends and Families for Older Adults. What You Can Do to Keep Yourself Safe From Abuse
It s Not Right! Neighbours, Friends and Families for Older Adults What You Can Do to Keep Yourself Safe From Abuse Everyone has the right to be safe and free from abuse. No one should experience abuse.
More informationWHICH talking therapy for depression?
WHICH talking therapy for depression? A guide to understanding the different psychological therapies you may be offered to treat your depression 1 Contents Introduction 3 Cognitive Behavioural Therapy
More informationIndividual Income Protection. When you protect your income, you protect what matters most.
Individual Income Protection When you protect your income, you protect what matters most. What s your most valuable asset? You may think that your home, car, or investment account is the most valuable
More informationyounger-onset alzheimer s I m too young to have Alzheimer s disease
younger-onset alzheimer s I m too young to have Alzheimer s disease the compassion to care, the leadership to conquer I m too young to have Alzheimer s disease Alzheimer s is not just a disease of old
More informationLeading and Motivating as a Manager
Leading and Motivating as a Manager Overview Ten keys to leading and motivating the people you manage. Find out what motivates the people who report to you Hire and keep people who are good at the work
More informationPersonal Information This Wellness Recovery Action Plan belongs to: Name Address City State Zip Telephone E-Mail Special instructions
My WRAP Plan 1995-2005 Mary Ellen Copeland, MS, MA All Rights Reserved P.O. Box 301, West Dummerston, VT 05357 www.mentalhealthrecovery.com Copeland Center for Wellness & Recovery P.O. Box 6464, Chandler,
More informationReal Life Financial Planning For the Young Dental Professional A Dental Professional s Guide to Financial Security
Real Life Financial Planning For the Young Dental Professional A Dental Professional s Guide to Financial Security Marshall W. Gifford & Todd D. Bramson 1 Introduction Why the title, Real Life Financial
More informationChapter One Love Is the Foundation. For Group Discussion. Notes
Group Study Guide How can you learn to speak each of the fi ve love languages with your children and fi ll their love tank? This interactive guide includes study questions and exercises for you, for your
More informationUSVH Disease of the Week #1: Posttraumatic Stress Disorder (PTSD)
USVH Disease of the Week #1: Posttraumatic Stress Disorder (PTSD) Effects of Traumatic Experiences A National Center for PTSD Fact Sheet By: Eve B. Carlson, Ph.D. and Josef Ruzek, Ph.D. When people find
More informationFAMILY PROTECTION MADE EASY. A guide to life assurance
FAMILY PROTECTION MADE EASY A guide to life assurance INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see
More informationFinding Your Gift: Three Paths to Maximizing Impact in Your Career
Finding Your Gift: Three Paths to Maximizing Impact in Your Career Do you have a job, or a career? Are you working for a paycheck, or are you working on your life s mission? Would you like to discover
More informationLife Insurance made easy
Life Insurance made easy INTRODUCTION Your Health is your Wealth - I genuinely believe that to be true. I work in the A&E Department of a large hospital and every day I see the challenges people face in
More information6864 NE 14th Street, Suite 5 Ankeny, IA 50023 800.277.8145 Toll free 515.289.4567 Dsm area www.ifapa.org Website ifapa@ifapa.
About IFAPA The Iowa Foster and Adoptive Parents Association (IFAPA) is a non profit organization serving as a resource to foster, adoptive and kinship families in Iowa. Membership with IFAPA is free for
More informationSubstance Abuse. Client Handbook Series January 2015
Substance Abuse Client Handbook Series January 2015 Developed by Carleton University, Criminal Justice Decision Making Laboratory & Ontario Ministry of Community Safety and Correctional Services Ralph
More informationwhy happiness is good for business
why happiness is good for business Martyn Newman Ph.D. Randstad consulting psychologist In today s business world, driven by competitive advantage, success and wealth, happiness can easily be relegated
More informationDiscover What s Possible
Discover What s Possible Guaranteed Choice SM Whole Life Guaranteed Choice SM Whole Life for Individuals and Families There is comfort in predictability There s a certain comfort that comes with knowing
More informationMaking the Transition to Management
Making the Transition to Management Overview Advice on making the move to a management or supervisory position. Mistakes new managers often make The pressures and challenges new managers face Tips for
More informationStructured Problem Solving Workbook
Fact Sheet 13 Structured Problem Solving Workbook Structured Problem Solving Everyone experiences problems. Some of us have more to contend with than others, yet often it s not the size of the problem
More informationSocial Care Support - The Facts You Need to Know
Factsheet What does the Care Act mean for me? Getting social care support under the new law in England This factsheet concentrates on parts of the Care Act which will most affect people who use social
More informationTips for potential Capital Market Investors
Tips for potential Capital Market Investors A financial advisor once told It doesn t matter how good of job someone has, if they want to acquire wealth in this life, at some point they are going to have
More information10 Things You Need to Know About Buying Life Insurance
10 Things You Need to Know About Buying Life Insurance 10 Things You Need to Know About Buying Life Insurance 01 We never know what life has in store. Life insurance is a simple answer to a very difficult
More informationHealth and wellbeing 1 Experiences and outcomes
Health and wellbeing 1 Experiences and outcomes Learning in health and wellbeing ensures that children and young people develop the knowledge and understanding, skills, capabilities and attributes which
More informationHow To Plan For Your Financial Future With Life Insurance
Unlocking Life s Possibilities Introducing a new perspective on life From home to work to retirement, the path of life is full of changing needs, dreams, happy moments, surprises and sometimes, unpredictable
More informationDivergent paths to retirement: How men and women plan differently
Divergent paths to retirement: How men and women plan differently The BMO Institute provides insights and strategies around wealth planning and financial decisions to better prepare you for a confident
More informationFamily role in recovery
Family role in recovery The positive impact of family support on recovery from addiction This is getting out of control I ve got my life back November 2014 VOCAL Family Addictions Service 8-13 Johnston
More informationIntroduction 1 Key Findings 1 The Survey 1. 1. Retirement landscape 2
Contents Introduction 1 Key Findings 1 The Survey 1 1. Retirement landscape 2 2. Aspirations and expectations for a changing retirement 2 Canada is ranked third in the AEGON Retirement Readiness Index
More informationRaising Drug-Free Teens
A Parent s Guide to Raising Drug-Free Teens Dear Parent, You are the single most important influence in keeping your children drug free. In fact, research shows that the number one reason teenagers don
More informationPRE-COUNSELING COUPLES / MARRIAGE QUESTIONNAIRE
PRE-COUNSELING COUPLES / MARRIAGE QUESTIONNAIRE Name: BOTH PARTNERS NEED TO COMPLETE THIS QUESTIONNAIRE SEPARATELY AND INDEPENDENTLY. PLEASE BRING TO YOUR FIRST SESSION, BUT DO NOT SHARE YOUR ANSWERS WITH
More informationInjury Management. Making it Work. Injury Management Making it Work 1
Injury Management Making it Work Injury Management Making it Work 1 Please note This information is for guidance only and is not to be taken as an expression of the law. It should be read in conjunction
More informationPractical Jealousy Management
Florida Poly Retreat 2006 Practical Jealousy Management Part 1: On the Nature of Jealousy Jealousy is an unusual emotion in that it is an emotion rooted in other emotions. Often, the root of jealousy lies
More informationIntroduction to Substance Abuse. Matthew D. Bennett, Psy.D. Rick McNeese, Ph.D. First Step Recovery, Inc.
Introduction to Substance Abuse Matthew D. Bennett, Psy.D. Rick McNeese, Ph.D. First Step Recovery, Inc. Matthew D. Bennett, Psy.D. Rick McNeese, Ph.D. First Step Recovery, Inc. Lincoln, NE The psychology
More informationThe Counselor as a Person and as a Professional
Self-Awareness The Counselor as a Person and as a Professional Chapter 2 Psychology 475 Professional Ethics in Addictions Counseling Listen to the audio lecture while viewing these slides Without a high
More informationPlanning for Long-Term Health Care
Planning for Long-Term Health Care The Financial Planning Association (FPA ) connects those who need, support and deliver financial planning. We believe that everyone is entitled to objective advice from
More informationReady. Set. Retire. Exploring the path to and through retirement. A Retirement Experience study from the Voya Retirement Research Institute.
Ready. Set. Retire. Exploring the path to and through retirement. A Retirement Experience study from the Voya Retirement Research Institute. Ready. Set. Retire. This study is a fresh look at the experience
More information_ Retirement. Planning for the Stages of. Getting started Your 20s and early 30s
Planning for the Stages of _ Retirement _ Retirement is being reinvented. It s no longer our parent s retirement. Social Security alone w o n t see us through retirement, especially for higher income earners.
More informationDerrick Cameron, Financial Planner
Slide 1 Derrick Cameron, Financial Planner Hello and welcome to our presentation on retirement transition. My name is Derrick Cameron and I m Financial Planner (title) at RBC Financial Planning. I ll be
More information7 Questions to Ask When Screening Senior Living Communities
7 Questions to Ask When Screening Senior Living Communities And Two Points to Consider Before Making Your Final Decision 630-297-4944 www.lexingtonsquares.com Is It Time To Consider The Best Living Option
More informationObjectives Upon completion of this lesson, the student will be able to: Outline different types of goals Develop goals for the future
Goal Setting Course Principles of Health Science Unit VI Personal Qualities of a Health Care Worker Essential Question How does setting goals now help you achieve them in the future? TEKS 130.202 (c) 3B
More informationPERSONAL VALUES Card Sort NOT IMPORTANT TO ME ACCURACY ACCEPTANCE ACHIEVEMENT ADVENTURE ATTRACTIVENESS AUTHORITY
PERSONAL VALUES Card Sort W.R. Miller, J. C de Baca, D.B. Matthews, P.L. Wilbourne University of New Mexico, 2001 IMPORTANT TO ME VERY IMPORTANT TO ME NOT IMPORTANT TO ME ACCEPTANCE ACCURACY to be accepted
More informationCHILDREN'S SELF-ESTEEM
CENTER FOR EFFECTIVE PARENTING CHILDREN'S SELF-ESTEEM Self-esteem can be defined as how people feel about themselves. Children's levels of self-esteem are evident in their behavior and attitudes. If children
More informationWho Are You Married To? Balancing Graduate School and Marriage
Who Are You Married To? Balancing Graduate School and Marriage Chris Labosier Department of Geography Texas A&M University College Station, TX 77843 E-mail: clabosier@tamu.edu Anna Labosier Speech-Language
More informationPostnatal Depression. A guide for mothers, family and friends
Postnatal Depression A guide for mothers, family and friends What is it? What is it? After giving birth, most mothers experience some degree of mood swings. There are three main kinds of postnatal mood
More informationRECOVERY ALTERNATIVES
RECOVERY ALTERNATIVES Contact us at: 1-800-805-0499 http://www.recoveryalternatives.com INTERVENTION PREPARATION WORKSHEET To help guide you through the process of preparing for the intervention, a series
More information10 Steps to Financial Freedom in Your Twenties and Thirties
1 Steps to Financial Freedom in Your Twenties and Thirties On our journey to obtain independence and achieve financial success, we usually prioritize having good educational experiences, a sound resume
More informationInjury Management. Making it Work. Injury Management Making it Work 1
Injury Management Making it Work Injury Management Making it Work 1 Please note This information is for guidance only and is not to be taken as an expression of the law. It should be read in conjunction
More informationThe Care Coordinator. A Valuable Asset for Clients and a Crucial Component in Life Care Planning
The Care Coordinator A Valuable Asset for Clients and a Crucial Component in Life Care Planning What is a Care Coordinator? A Care Coordinator is a trained and experienced care manager, mediator, and counselor
More informationTeen Education and Enrichment Programs MCCA Work Ready Certificate Manual
Teen Education and Enrichment Programs MCCA Work Ready Certificate Manual Part 1: Life Skills Part 2: Job Readiness Part 3: Finding a Job Part 4: Visiting Potential Employers Part 5: Working Well with
More informationHEALTH AND WELLBEING IN RETIREMENT J. W. PAPWORTH-SMITH
HEALTH AND WELLBEING IN RETIREMENT J. W. PAPWORTH-SMITH OVERVIEW General comment Adjustment Promoting better health Ill-health Philosophy There is no wealth but life. In order that people may be happy
More informationINTRODUCTION. Large fees are retained for simple tasks that agencies try to obfuscate into complex chores that we do not want to do.
FINDING PRIVATE LOCUMS 4 INTRODUCTION As we scan the internet eking out information that may be of value to physicians and healthcare workers new to locum tenens, we are continually amazed by the infiltration
More informationHow To Invest In Money
Summary Can You Afford to Take Investment Risks? Last update: October 13. 2011 There are several important reasons why you should take significantly less investment risk during retirement than before retirement.
More informationBİLET 2. Aşama Örnek Sınav
BİLET 2. Aşama Örnek Sınav READING SECTION Siblings Relationships: A Brief Analysis 1 During childhood, sisters and brothers are a major part of each other s lives for better or for worse. As adults they
More informationA lifetime approach to retirement planning
Financial Planning Update A lifetime approach to retirement planning Unlike earlier generations, individuals planning to retire over the next two decades face a new set of challenges, including an uncertain
More informationConnectedness and the Emotional Bank Account
Connectedness and the Emotional Bank Account Directions This is a self-guided activity that can be completed by parents, teens or both. It contains five parts and should take about 45 minutes to complete.
More informationThe Future of Retirement A balancing act. Singapore Report
The Future of Retirement A balancing act Singapore Report The research The Future of Retirement is a world-leading independent research study into global retirement trends, commissioned by HSBC. The global
More informationFinancial Experience & Behaviors Among Women
Financial Experience & Behaviors Among Women 2010 2011 Prudential Research Study TENTH ANNIVERSARY E D I T I O N A report prepared by Prudential Research 0182849-00001-00 Acknowledgment A Decade of Progress
More informationHealthy Relationships
Healthy Relationships March 2005 KSC/CCAFS Health Education and Wellness Program Heather Torbett, MPH Kris S. Calderon, PhD, CHES Patricia Bell, LMC Relationship Health Many relationships are not as healthy
More informationSAF V Survey Report. Data Source
SAF V Survey Report Deployment and Separation Adjustment among Army Civilian Spouses Dennis K. Orthner, Ph.D. & Roderick Rose, M.S. The University of North Carolina at Chapel Hill December 2005 Background
More informationCo-dependency. Fact Sheet on co-dependency from Mental Health America:
Co-dependency Fact Sheet on co-dependency from Mental Health America: Co-dependency is a learned behavior that can be passed down from one generation to another. It is an emotional and behavioral condition
More informationWealth Strategies. The Building Blocks to Creating Your Financial Road Map Part 3 of 12. w w w.rfawea lth.com
w w w.rfawea lth.com w w w.rfawea lth.com Wealth Strategies The Building Blocks to Creating Your Financial Road Map Part 3 of 12 Financial Roadmap Building Blocks WEALTH STRATEGIES Page 1 So you re planning
More information