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Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term care insurance - which protects you from spending that nest egg too fast - takes over.
A retired teacher paid $62,000 towards her pension and nothing, yes nothing, for full family medical, dental and vision coverage over her entire career. What will we pay her? $1.4 million in pension benefits and another $215,000 in health care benefit premiums over her lifetime.
I don't want retired schoolteachers or any other good Americans to be duped by fraudulent organizations into giving money, thinking it is going to go to disabled vets, when in fact it's not at all. It's going in to pad the pockets of some scam artists. I want to stop this stuff.
When I retired from the military, I come home. And the reason why I got into politics is, you know, I spent a lot of time away from my wife and my kids. And I come home, and I found out I have kids in my backyard that have it worse than the children I saw in Iraq and Afghanistan.
Gay marriage has jumped out of the closet on to the front page. Everyone from the president of the U.S. to retired four-star general Colin Powell is embracing the issue, now supported by most Americans. Still, a few people, like former First Lady Laura Bush appear to be conflicted.
Retiring was hard. I'd spent 15 years doing something I loved, but when you get older everything seems to go. When I started spending too long with the physio and the doctor, I knew it was time to call it a day. But I had no preparation for being retired and I didn't know what to do.
As the brother of a retired law enforcement officer, I know firsthand that our men and women in uniform perform their duties in the face of tremendous threats and significant personal risk. They put their lives on the line every day, and they often have to make split-second decisions.
I was at an ESPN event in the United States, the awards ceremony, and I got approached by the WWE. I had just retired, and, it's a form of competition, but of course, it's also scripted, so I don't know if I'd be willing to relive that. Perhaps for a special event, so I could taste it.
The feathers have been retired to the London Hard Rock Cafe. I don't obsess about it as much. Also, it's strange - the better physical shape I get in, the less I care about what suit I'm covering myself up in. I'm not really out to flaunt it, but I'm just more comfortable in my own skin.
I was a teacher most of my life, which I loved. I had a very happy working life, and when I retired, I thought I must do something, and I've always read a lot of fiction - you learn so much from fiction. My sentimental education came mostly from fiction, I should say, so I thought I'd try.
Something happened when I was in elementary school. A Disney artist named Bruce McIntyre retired, and he had done drawings for 'Pinocchio' and 'Snow White' that was just classic stuff. He moved to the town I grew up in, Carlsbad, and he became a part-time art teacher at our elementary school.
One of the problems in the Navy is that tradition of being captain of the ship. And an awful lot of people can be retired in the Navy, get over it, get a life, and go on. But there's a lot who can't. And when they have to give up the ship, they got to be captain of something, every single day.
I made a series for ITV, just after I retired from Tests in 2009, called 'Flintoff Versus the World.' The idea was that I would attempt a series of extreme sports - rodeo riding, jumping out of aeroplanes, paragliding, cliff diving. I thought, 'Yeah, it looks fun. It's six weeks having a laugh.'
When my dad retired, he moved to Georgia, but I stayed in California. I was in San Francisco: that's where I first went from being a musician to making beats and producing. I was 18, 19. It started going pretty good for me out there in California, so I stayed in SF while my parents moved to Georgia.
The first time I retired, only Sir Alex Ferguson and I knew that the last league game of the 2010-11 season against Blackpool was to be my final game at Old Trafford. I was a little bit sad, but I am not one for tears. The end of a career comes to us all, and there is not a lot you can do about that.
Musically, what happened was this: I retired twice. I retired after The Black Crowes, and I retired after Brand New Immortals. Then, we started buying real estate, which really took up my time. I was busy. I was still teaching yoga, but I was mostly busy running business, and I was fine. I was happy.
I retired when I was 30, with all my marbles and a few bucks. But a lot of guys leave boxing penniless with no skills. Men in their 30s and early 40s, old for boxing, young in life, but also old in the job market if you're just getting started with no education. These guys need someone in their corner.
For me, getting your number retired is the greatest accomplishment. There is no accolade with more significance that you can receive from an organization or school. Whether it was my four years at Central Arkansas or all my seasons with the Bulls in Chicago, it's a sign of respect for what I have done.
My dad is an ob-gyn - he's retired now - and he wanted to come to the States to make a better life, for opportunity. My mom said that, on the plane ride here, I did not want to speak a word of English - I spoke Tagalog. And then, after the first day of school, I didn't want to speak anything but English.
When my father was, you know, a very big artist in the 1970s and then later up through the '80s. And then I began playing guitar with him in the road in the late '80s until he retired in 1997. So I traveled the world with them for years, you know, and all around the world and got to meet some great people.
I greatly appreciate that people would like to see me have one more match or comeback or, 'Daniel Bryan got cleared, so why can't you?' I will never be cleared. Mine is a completely different injury. He had neck issues, but it wasn't his neck issues that retired him, actually. It was the concussion issues.
When I went through the Simpson case, I was a cop. Then I was a good cop. Then I was a bad cop. Then I had the media camped out in front of my house when I retired. Then, you know, I am the evilest thing on the planet. Then I write a few books, and then I start getting involved, like the Martha Moxley case.
Marciano was an idol in a simpler era, when professional athletes were heroes and sportswriters were complicit in building legends rather than exposing them. To the public, all that really mattered was that Rocky had 49 wins in 49 fights and retired in 1956 as the undefeated heavyweight champion of the world.
Historically, philanthropy has been something that you do when you turn 65, and you are retired, and you have spent your life accumulating your financial resources, and now you finally have time to do it. But because of the Internet revolution, that in turn revolutionized economic growth and wealth generation.
I think the four major leagues ought to set up a joint commission - say, of retired judges - to rule on athletes who are accused of doing bad things away from the game. Then each league would retain its independence in determining what penalties their players should get for infractions committed within the sport.
I meet with retired football players. Some are well-dressed, some are well-spoken, but when you talk to them personally, they will admit to you that they are having problems. But they are managing their problems. They have impaired memory, they're having mood problems. They are being treated by their psychiatrists.
My dad came over from Ireland when he was 13 and lived on the streets, working on building sites, and has just retired from his job delivering furniture for John Lewis. My mum has had the same job for 30 years as a sales assistant at Marks and Spencer. They've always been really great; they just want me to be happy.
Mike Hall was my old friend and, more important, the finest soldier I'd ever known. After over 30 years of service and then 18 months at a good civilian job, a phone call had brought the retired command sergeant major back on active duty to become the senior enlisted adviser of all international forces in Afghanistan.
My father was retired military, and my mother was an educator. She was incredibly creative. I used to love going to her school during the summer and helping her decorate her classroom. I would draw Mickey Mouse, Donald Duck. She was a sixth grade teacher. She and my father are the ones that got me into my love of music.
The smartest thing I ever did as a writer was hire a retired conservation agent to blaze a hiking trail for me. It's nothing fancy - just a narrow path that meanders for a little over a mile through the woods near my home. But that trail through the trees has become my therapist, my personal trainer, and my best editor.
The creation of George Smiley, the retired spy recalled to hunt for just such a high-ranking mole in 'Tinker, Tailor,' was extremely personal. I borrowed elements of people I admired and invested them in this mythical character. I'm such a fluent, specious person now, but I was an extremely awkward fellow in those days.
I love it right now. I love being retired. I think I retired at a perfect time in my career. Now I get an opportunity to spend time with my wife and kids and get to be very supportive of them. My son is playing football right now. My daughter is in gymnastics. Both are competing at a high level. So it came at the right time.
My first car was, as depicted in 'Sleepwalk with Me,' my mother's '92 Volvo station wagon that had 80,000 miles on it, and I had put 40,000 miles on it, so by the time it retired it had 120,000, and I basically killed it. It served me well, and my mechanic was always very angry with me because I just didn't properly care for it.
The weird thing about rap is that you don't get compared in the same way that athletes do, even though it's probably the most competitive sport in music. In basketball, they look at a player and say: 'This guy was the best in his prime at this sport.' But in rap it's not until you're dead or retired that people think about it like that.
Just after I retired, Michael Vick came in. And just as background, I really thought the position had changed. I thought the dynamic pass-run, triple-threat quarterback was going to take over the league. And guys like Michael Vick and others would follow and that's what we'd do. But I learned the truth with Peyton Manning and Tom Brady.
Our main character is Klem Ristovych, the most senior detective in the MCPD. Klem's a dinosaur, the oldest cop working the Fuse, and nobody can believe she hasn't retired yet. Hell, she can hardly believe it herself. But what else is she going to do? Sit at home and watch soap operas all day? She'd throw herself out of an airlock first.
Go out and interview people to find a partner whom you can trust. Find somebody who subscribes to the same view that you do. I'm happy to tell you that I practice what I preach. I would have never thought I'd end up in financial services. I'm happy to tell you that my debt is retired. That happened because I got a good financial adviser.
When Justice White retired, he gave me the chance to work for Justice Kennedy, as well. Justice Kennedy was incredibly welcoming and gracious, and like Justice White, he taught me so much. I am forever grateful. And if you've ever met Judge David Sentelle, you'll know just how lucky I was to land a clerkship with him right out of school.
Later in life, when I'm retired and have a family of my own and will be able to send my kids to college, that's when I'll start spending. Way too many athletes go broke these days, and I like saving my money so that I can ensure my family and friends currently and after me will never have to endure some of the things I did when I was a kid.
God bless my mother - she's long gone now, but she'd work all day and go to school at night. She started out in life as a housekeeper at 15 years old, totally on her own, and she retired as a college professor. But there were some hard times. It's not easy for a woman who's only trying to do the best for her kid but who could never be home.
Social Security is something that we need to deal with, because people who are working today, who will retire in the future, people who are retired today, they have a right - and it's part of the compact that they can depend on their benefits. We should fix the long-term funding problem of Social Security because that's the right thing to do.
I am the first one to go to university in my family. I am the first writer as well. My dad is a retired policeman, and my mom works for a glass-processing company. She is health-and-safety manager, and my stepfather is a plumber. I have four half siblings, one from my mom's marriage and three from my dad's marriage, so we are kind of scattered.