The Retirement Q&A!

Retirement can be a wonderful thing. It sure is a huge change in one's life, moving from office to home, from keeping hours to keeping yourself busy and having fun. Indeed, retirement has many secrets, which is why it was important for me to ask some 'hard' questions about this phase of life.

Question: How many days in a week? Answer: 6 Saturdays, 1 Sunday   Question: When is a retiree's bedtime? Answer: Two hours after he falls asleep on the couch.   Question: How many retirees to change a light bulb? Answer: Only one, but it might take all day.     Retirement is wonderful. It's doing nothing without worrying about getting caught at it Gene Perret    Question: What's the biggest gripe of retirees? Answer: There is not enough time to get everything done.   Question: Why don't retirees mind being called Seniors? Answer: The term comes with a 10% discount.   Question: Among retirees, what is considered formal attire? Answer: Tied shoes.   Question: Why do retirees count pennies? Answer: They are the only ones who have the time.       'There's one thing I always wanted to do before I quit...retire!' Groucho Marx    Question:  What is the common term for someone who enjoys work and refuses to retire? Answer: Idiot   Question: Why are retirees so slow to clean out the basement, attic or garage? Answer: They know that as soon as they do, one of their adult kids will want to store stuff there.   Question: What do retirees call a long lunch? Answer: Lunch.       I have never liked working. To me a job is an invasion of privacy Danny McGorty    Question: What is the best way to describe retirement? Answer: The never ending Coffee Break.   Question: What's the biggest advantage of going back to school as a retiree? Answer: If you cut classes, no one calls your parents.   Question: Why does a retiree often say he doesn't miss work, but misses the people he used to work with? Answer: He is too polite to tell the whole truth.   Question: What do you do all week? Answer: Monday through Friday, nothing; Saturday Sunday, I rest.     I enjoy waking up and not having to go to work. So I do it three or four times a day. Gene Perret

Stay Blessed

A famous writer was in his study room. He picked up his pen and started writing:

**Last year, I had a surgery and my gall bladder was removed. I had to stay stuck to the bed due to this surgery for a long time.

**The same year I reached the age of 60 years and had to give up my favourite job. I had spent 30 years of my life in this publishing company.

**The same year I experienced the sorrow of the death of my father.

**And in the same year my son failed in his medical exam because he had a car accident. He had to stay in bed at hospital with the cast on for several days. The destruction of car was another loss.

At the end he wrote: Alas! It was such bad year!! 

When the writer's wife entered the room, she found he husband looking sad lost in his thoughts. From behind his back she read what was written on the paper. She left the room silently and came back with another paper and placed it on side of her husband's writing.

When the writer saw this paper, he found this written on it:

**Last year I finally got rid of my gall bladder due to which I had spent years in pain.

**I turned 60 with sound health and got retired from my job. Now I can utilize my time to write something better with more focus and peace.

**The same year my father, at the age of 95, without depending on anyone or without any critical condition met his Creator.

**The same year, God blessed my son with a new life. My car was destroyed but my son stayed alive without getting any disability.

At the end she wrote: 

This year was an immense blessing of God and it passed well!

See!

The same incidents but different viewpoints. If we ponder with this viewpoint that what could have happened more, we would truly become thankful to the Almighty.

Moral : In daily lives we must see that its not happiness that makes us grateful but gratefulness that makes us happy.

There is always, always, always something to be thankful for.

Stay Blessed!

Financial Advice from Warren Buffet

Warren Buffet is considered among the top 5 richest men in the world. His fortune is estimated at around 50 billion dollars, 99% of which he intends to give to charity after his death. With such a record from a self made billionaire, who often gives advice to the top leaders of the world, it's well worth your time to read some of his advice.

On Reputation It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.    On his most basic rules Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.    On sources of income Never count on a single income. Make investments to create additional sources of revenue.   On spending If you buy things you don't need, you'll soon have to sell things you do need.   On saving Don't save what you have left after spending, but spend what you have left after saving.   On taking risks Never measure the depth of a river with both legs.   On honesty Honesty is a very expensive thing, don't expect it from cheap people.   On inheritance A rich man must leave his children enough to do anything, but not enough to do nothing.   On ideas You do things when the opportunities come along. I've had periods in my life when I've had a bundle of ideas come along, and I've had long dry spells. If I get an idea next week, I'll do something. If not, I won't do a damn thing.    On the trickle theory The rich are always going to say that, you know, just give us more money and we'll go out and spend more and then it will all trickle down to the rest of you. But that has not worked the last 10 years, and I hope the American public is catching on.    On investing in the future Someone's sitting in the shade today because someone planted a tree a long time ago.    On Habits Chains of habit are too light to be felt until they are too heavy to be broken.    On becoming rich I always knew I was going to be rich. I don't think I ever doubted it for a minute.    On learning from betters It's better to hang out with people better than you. Pick out associates whose behavior is better than yours and you'll drift in that direction.     On price and value Price is what you pay. Value is what you get.    On taxes for the rich If anything, taxes for the lower and middle class and maybe even the upper middle class should even probably be cut further. But I think that people at the high end - people myself - should be paying a lot more in taxes. We have it better than we've ever had it.    On challenges I don't look to jump over 7-foot bars: I look around for 1-foot bars that I can step over.    On being rich Of the billionaires I have known, money just brings out the basic traits in them. If they were jerks before they had money, they are simply jerks with a billion dollars.    On risk Risk comes from not knowing what you're doing.   On wall street Wall Street is the only place that people ride to in a Rolls Royce to get advice from those who take the subway.    On how he invests I never attempt to make money on the stock market. I buy on the assumption that they could close the market the next day and not reopen it for five years.    On hindsight In the business world, the rearview mirror is always clearer than the windshield.    On ponzi schemes Only when the tide goes out do you discover who's been swimming naked.    On learning from history If past history was all there was to the game, the richest people would be librarians.    On healing the economy  Economic medicine that was previously meted out by the cupful has recently been dispensed by the barrel. These once unthinkable dosages will almost certainly bring on unwelcome after-effects. Their precise nature is anyone's guess, though one ly consequence is an onslaught of inflation.

Real Robbers

During a robbery in Guangzhou , China , the bank robber shouted to everyone in the bank: "Don't move. The money belongs to the State. Your life belongs to you." Everyone in the bank laid down quietly. This is called "Mind Changing Concept” Changing the conventional way of thinking. When a lady lay on the table provocatively, the robber shouted at her: "Please be civilized! This is a robbery and not a rape!" This is called "Being Professional”Focus only on what you are trained to do! When the bank robbers returned home, the younger robber (MBA-trained) told the older robber (who has only completed Year 6 in primary school): "Big brother, let's count how much we got." The older robber rebutted and said: "You are very stupid. There is so much money it will take us a long time to count. Tonight, the TV news will tell us how much we robbed from the bank!" This is called "Experience.”Nowadays, experience is more important than paper qualifications! After the robbers had left, the bank manager told the bank supervisor to call the police quickly. But the supervisor said to him: "Wait! Let us take out $10 million from the bank for ourselves and add it to the $70 million that we have previously embezzled from the bank”. This is called "Swim with the tide.”Converting an unfavorable situation to your advantage! The supervisor says: "It will be good if there is a robbery every month." This is called "Killing Boredom.”Personal Happiness is more important than your job. The next day, the TV news reported that $100 million was taken from the bank. The robbers counted and counted and counted, but they could only count $20 million. The robbers were very angry and complained: "We risked our lives and only took $20 million. The bank manager took $80 million with a snap of his fingers. It looks like it is better to be educated than to be a thief!" This is called "Knowledge is worth as much as gold!" The bank manager was smiling and happy because his losses in the share market are now covered by this robbery. This is called "Seizing the opportunity.” Daring to take risks! So who are the real robbers here?