協會論壇聚會時間地點須知

20061021, Article, Picture

讀書會每週英文討論文章 (Weekly English Articles)

版主: larry168, stockmovie, Ellen Tsai, GraceKuo, Gracie, Benjamin Yeh, Harris1984, Harrywang, kevinliu, Happy Jan, Tigervip9999, lisa0213, AmyLu1114, ianxue, ericwon, Winniehsuehh, JasonFang23, Petite, no1wei, Denise Kuo, evainnuk, sukaxon, Celine, Jasmine0316, David Tsai, cherry2323, janiej, DavidCH, RichardYeh, piscesvicky, Kevin01, MandyPan

20061021, Article, Picture

文章Happy Jan » 週六 10月 21, 2006 12:12 am

Happy English Club 電子報 本報由EVP Team編審
網站 http://www.happyforum.org/ 歡迎超連結並轉寄網址
論壇 http://www.happyforum.org/happy/ 歡迎至論壇討論

Time:第78次例會,2006年10月21日(週六)下午2:30~5:00
Place:
viewtopic.php?t=15


14:30~15:30 gossiping and chatting
15:30~15:45 Ice Breaker session
15:45~15:55 intermission
15:55~17:00 topic discussion

Host: Melody Hsiao
Assistant Host:


Topic: Retirement Planning
(Source: http://www.aboutinvesting.org/Retiremen ... textual=no).


No matter the age, it is never too early to start planning for retirement. Retirement planning includes so much more than just simply planning to rely on social security. Planning should include debt reduction, budgeting, diversifying investments, and believe it or not, maintaining good health through diet and exercise.
Getting Started

Because people are living longer, retirement can span around twenty years, and planning should ensure that an individual's money lasts as long as they do, if not longer. The initial steps in retirement planning involve asking questions such as:
What type of lifestyle will the retiree be accustomed to living?
What types of investment opportunities can sustain that lifestyle?
What, if any, costs may be incurred due to health reasons?
The health question is an important one, for although Medicare is offered at the age of 65, there are many procedures and prescriptions only partially covered or not at all. Health costs can be a major drain on retirement savings, and maintaining a healthy lifestyle early can positively affect retirement planning.

Who Can Help?

Each retiree will have varied lifestyle predictions and expectations, but all can benefit from diversifying portfolio investments, which means spreading out investments between varieties of products. This can be a lower risk opportunity as stocks and bonds are not likely to move in the same direction simultaneously. A portfolio management advisor can play a key role in determining strategies for diversifications, and can also assist in setting an income and budget after retirement through a withdrawal rate, which allows for liquidation from assets into cash.

Types of IRAs

An Individual Retirement Account, or IRA, is also a valuable tool in retirement planning. IRAs can be opened through a brokerage firm, a bank, or a mutual fund. The two types of IRAs beneficial to retirees are Roth IRAs and Traditional IRAs. In a traditional IRA, money cannot be withdrawn until the holder reaches 59½, and all withdrawals are considered taxable income. Contributions to traditional IRAs may not continue after the age of 70½, and upon reaching that age, withdrawals must begin. With a Roth IRA, the same age for withdrawal stands at 59½, but contributions may continue to any age as long as an individual has earned income. Because Roth IRA deposits have been made from income that has already been taxed, there are no income tax penalties upon withdrawals. Both types of IRAs benefit from early starts, and can be indispensable investment tools for retirement later on.

Preparing for Retirement Early

Due to projected lifestyle needs and desired standards of living, certain changes may be initiated before retirement. This may even include postponing retirement in order to reduce debts and increase investments. This may also include downsizing homes, automobiles, or other luxuries that may not be maintainable after retirement. Again, however, certain sacrifices after retirement may not be necessary if planning starts early and stays vigilant.

Questions:
1. What age do you plan to retire?
2. How much money do you think you will need for your retirement?
3. Have you started saving money for your retirement?
4. What kind of tools do you use for retirement planning?
5. What kind of life style would you like after retiring?



:lol: :lol: 例會須知 :lol: :lol:
參與例會,請自行列印當週的討論文章並帶至現場,圖示如下:


圖檔

:lol: :lol: 請將社團網站,加入我的最愛 :lol: :lol:
http://www.happyforum.org/



台北,每週六 (2005年6月起)
Taipei, Saturday, Weekly
from June, 2005

Place:
viewtopic.php?t=15


圖檔


高雄,每月最後一個週日 (2007年4月起)
Kaohsiung, Final Sunday, Monthly
from April, 2007

Place:
viewtopic.php?t=15


圖檔
最後由 Happy Jan 於 週日 3月 23, 2008 9:10 pm 編輯,總共編輯了 8 次。
快樂英文讀書會 Happy English Club 為中高階的英文讀書會,定期在台北/桃園/新竹/台中/台南/高雄聚會.主要是由一群年輕上班族組成,快樂英文讀書會成員來自各行各業菁英,與會來賓必須具備英文會話能力,全程用英文輕鬆閒聊以及討論具有深度的議題各一個小時.歡迎蒞臨快樂英語讀書會.
頭像
Happy Jan
協會(創會)理事長
 
文章: 1516
註冊時間: 週五 10月 28, 2005 5:28 am
來自: 桃園市

文章Happy Jan » 週日 10月 22, 2006 2:00 am

圖檔


圖檔
快樂英文讀書會 Happy English Club 為中高階的英文讀書會,定期在台北/桃園/新竹/台中/台南/高雄聚會.主要是由一群年輕上班族組成,快樂英文讀書會成員來自各行各業菁英,與會來賓必須具備英文會話能力,全程用英文輕鬆閒聊以及討論具有深度的議題各一個小時.歡迎蒞臨快樂英語讀書會.
頭像
Happy Jan
協會(創會)理事長
 
文章: 1516
註冊時間: 週五 10月 28, 2005 5:28 am
來自: 桃園市


回到 每週英文討論文章 (Weekly English Articles)

誰在線上

正在瀏覽這個版面的使用者:沒有註冊會員 和 16 位訪客

cron