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The definitive guide for anyone dreaming of living in paradise when they retire. Whether motivated by a desire for adventure, or the need to make the most of a diminished nest egg, more and more Americans are considering an overseas retirement. Drawing on her more than three decades of experience helping people relocate happily and successfully, Kathleen Peddicord shows how living in an unconventional retirement destination can cost less than a traditional home in Florida or Arizona. Peddicord addresses all of the essential issues, including: • Finding a home to own or rent • Researching and understanding your tax liability • Obtaining health insurance and medical care • Avoiding common mistakes and pitfalls • Opening a bank account Whether readers are interested in relatively unknown havens like Nicaragua, well-traveled areas in Italy, or need some help deciding, How to Retire Overseas is the ultimate guide to making retirement dreams come true.
In developed countries, men’s labor force participation at older ages has increased in recent years, reversing a decades-long pattern of decline. Participation rates for older women have also been rising. What explains these patterns, and the differences in them across countries? The answers to these questions are pivotal as countries face fiscal and retirement security challenges posed by longer life-spans. This eighth phase of the International Social Security project, which compares the social security and retirement experiences of twelve developed countries, documents trends in participation and employment and explores reasons for the rising participation rates of older workers. The chapters use a common template for analysis, which facilitates comparison of results across countries. Using within-country natural experiments and cross-country comparisons, the researchers study the impact of improving health and education, changes in the occupation mix, the retirement incentives of social security programs, and the emergence of women in the workplace, on labor markets. The findings suggest that social security reforms and other factors such as the movement of women into the labor force have played an important role in labor force participation trends.
Thinking of moving to Spain? Moving house is a daunting and costly thing to do. This book is suitable to anyone who may be thinking of buying Spanish property or moving to Spain.
The book is the first ethnographic study of international retirement migration and offers a sometimes surprising picture of the potentials, seductions and limitations of the lifestyles. People envision retirement as freedom from responsibilities through shedding the restrictive shackles of their former selves in a time of life dedicated to fun, friendship, healthy activity and individual fulfillment. However, as Oliver documents, a number of contradictions underpin the pursuits of such a lifestyle. She shows how retirees must balance time-use to achieve both freedoms and busy social schedules -- their activities, their relationships, and their cultural identities – to balance both the security of nationality with the discovery of the new. Retirement Migrationgives a critical insight into the new ways aging identities are experienced by a growing number of older people in Western societies today.
For those people thinking of Moving To Spain or already living in Spain this book will help you make your move and new life in Spain easier as it is packed with first hand experiences, stories, tips and advice along with loads of valuable contacts and information numbers at the end of each chapter.Hear from a British expat who has lived and worked in Spain for over 16 years and now married to a Spanish girl. Learn firsthand about all the documents that you will need and where to get it all from as well as personal accounts of life living and working in Spain. Get all the information here and Avoid the mistakes many Brits make when moving to Spain and make your move a smooth and long lasting one.Personal stories and accounts of the lives of Expats that struggle and succeed here.Read what you need to do first and how to avoid the mistakes so many Brits make when moving to Spain.This is an E Book full of valuable information on real life living and working in Spain. Packed with tips, advice and direct contacts that you will need to make your move to Spain stress free.A sometimes blunt but truthful account of the real life in Spain that may shock you but will give you all the facts so as you can get it right first time.
The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
The first wave of the 78 million member baby boom generation is now reaching retirement age. The number of people age 62, the earliest age of eligibility for Social Security retired worker benefits, is expected to be 21 percent higher in 2009 than in 2008. In addition, by 2030, the number of workers supporting each retiree is projected to be 2.2, down from 3.3 in 2006. This demographic shift poses challenges to the economy, federal tax revenues, the nation's old-age programs, and individuals' financial security in retirement. For those who are able to work longer, later retirement can strengthen the economy and also retiree incomes by postponing the time at which people will start drawing retirement benefits rather than working. A wide range of factors including the features of employers' benefit plans, personal finances, social norms, health, and individual attitudes influence workers' decisions about when to retire. Federal policies may also play a role: these include Social Security, Medicare, and tax policies related to certain private retiree health and defined benefit (DB) and defined contribution (DC) pension plans.1 Identifying both the incentives posed by these policies and the extent to which workers respond to them can help to inform policy makers as they consider ways to address the demographic challenges facing the nation. To determine the extent to which federal policiesdirectly and indirectly-pose incentives and are influencing individuals decisions about the age at which they retire, the authors have pursued the following questions: (1) What incentives do federal policies provide about when to retire? (2) What are the recent retirement patterns, and is there evidence that recent changes in Social Security requirements have resulted in later retirements? (3) Is there evidence that tax-favored private retiree health insurance and pension benefits have influenced when people retire? This is a revised and excerpted version.
What readers are saying about this books: "I could not put this book down and despite a mountain of jobs to do I kept convincing myself ''just one more chapter''." "How brave, or was it foolhardy? Sabina and Robert set off to a country they didn''t know and a language that they didn''t speak - could this be a recipe for disaster or an amazing adventure? I gasped and laughed and almost cried at various points in their story. Do read it you won''t be disappointed and the good news is that there is more, as this is only the first year!!!" "I was transported to another place that was idyllic and yet took perseverance and determination to survive." "Sabina describes the local area and people with great passion, bringing everything to life for the reader. Adapting to a new way of life in rural Andalusia, throwing themselves into learning the ways of the village, embarking on harvesting their olive trees, delighting at the production of their own olive oil. Harvesting and learning how to preserve figs and tomatoes, there is never a dull moment. No matter the hardships encountered, they still manage to see the humorous side of life." "I loved this book and found the trials and tribulations of Sabina and Robert really interesting. It was so well written and had some really humorous parts. I felt quite sad when I finished the book and I''m looking forward to the next instalment." "What happens if you take two city dwellers, living in the UAE, and transplant them to a ruin in rural Andalucía? Answer: The Crinkle Crankle Wall. Although I live 1000km north of Sabina in a totally different part of Spain, her descriptions of rural life and the characters which populate their tiny rural town struck a strong chord. Language problems, fitting in with the neighbours and renovation nightmares all struck home and I enjoyed following a similar yet very different story of moving to Spain." from Lisa Rose Wright the author of Plum, Courgette & Green Bean Tart: A year to write home about - Seeking la vida dulce in Galicia After years of dreaming of living close to nature, free from a daily commute and noisy neighbours, Sabina and Robert decide to travel from Abu Dhabi to Spain in search of their dream home. As soon as they drive across Andalusia, they fall in love with its rugged beauty, whitewashed villages, red geraniums, giant aloes, and endless olive trees. After weeks of visiting ruins and dilapidated sheds advertised as homes, they find a little stone cottage in a mountain valley in the middle of nowhere. Equipped with everything that a romantic soul desires: a patio shaded by grape vines, an ancient bay leaf tree, and a formidable oak in front of a long driveway, they fall in love with this property and decide to reform it into a guest house. With little foresight or planning, they exchange cushy expats lives for a life in the sun. Quite quickly, however, they find themselves battling cowboy builders, no electricity, a dry well, torrential rain storms, and a freezing cold winter without a roof over their heads. Through all these adventures, they develop relations with their neighbours who had lived in the valley for many generations. Puzzled by the strangers'' behaviour, the neighbours teach them about olive picking, and the cultivation of local vegetables. But primarily, they offer their endless generosity and insight into life in rural Andalusia. As they begin to settle in, financial problems confront our somewhat naïve couple. Without steady pay checks and construction bills piling up, their idea of the good life starts to fall apart. Written with a wry sense of honest humour, this story is filled with twists and turns that take the reader on a journey from a life where every day was monotonously repetitive to a place where every day presents a new challenge.
The most comprehensive guide to retiring and moving to France. This book will guide you through the entire process, and help you through the "Catch-22" problems with detailed checklists and exhaustive information: from preparing your home, selling it, getting your long-stay visa and residency permit, shipping options, getting a car in France, finding an agent, buying your new home, going to closing, furnishing it, and settling in France in comfort and ease. REVIEWS: "An impressive book, the 'bible' for moving to France; authoritative, detailed, clear and well laid-out. Michael Burk's Retire in France is a gold mine of invaluable information. Absolutely superb." - Nick Snelling, author of How to Buy Spanish Property and Move to Spain ... Safely "This book is a must-have if you want to retire in France, but I would recommend it also to those who want to live there, even for a short period of time. There is thorough research behind it. This guide gives you a great perspective over the linguistic, and administrative subtleties you wouldn't know otherwise if you come from an English-speaking world. From French 'false friends' terms and other confusing notions, this book provides assistance for the most challenging parts of your life in France: buying a property, settling into it, and enjoying your new French life. Highly recommended!" - Nadia Plamadeala, author of Understanding Italy: A practical and funny guide for expats. "The beauty of Retire in France by the numbers is that it is both well researched and reassuring as it untangles French bureaucracy. It takes you by the hand and leads you through the process of settling in France, one step at a time." - Margaret Oertig, The Expert Guide to Your Life in Switzerland.