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Everyone has a 401k and everyone seems to follow the basic 401k tips which tell them to to invest all their money into the plan for the long term and hope for the best. But, that is as far as most people go. They do not take the time to learn about their plan and try to figure out how to get even more out of it.

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I have long been an advocate of a working retirement. One of the best productive retirement activities, for those who are inclined to want to continue earning, is website development. I do this myself, and find it highly stimulating and challenging. Lately, I've been taking on some clients for whom I'm constructing websites. Here's an example of one I just completed for a gentleman and his wife who are also of a certain age: Master Deck Builder. And, here's another I just completed - Socrates Theme.

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Preparing financially for the final day when you are entitled to put your feet up can be a very real worry, but can also be vitally important when it comes to ensuring you get the rest you deserve. While many people have pension schemes provided through their employers, for those who don't, personal pensions are a way to make sure you have a guaranteed income to support you once you retire.

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Financial planning for retirement is one of the most important investment decisions you will ever make in your life, and not a decision that you make once and then forget about. It's something you do and re-evaluate about once a year.

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It is finally happened, you have decided to retire and enjoy life. However, before making the transition from the daily routine of sleeping in on weekdays, do you know if you are really ready for change? Here are some things you need to take care of before making the final decision to retire:

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