City of Kawartha Lakes    
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Retirement Can Be Hell...........unless?

For most of us, the mere thought of retirement is a topic that we tend to repeatedly shy away from. As a youngster, that's too far into the future to worry about - besides, we're having too much fun anyway. Who cares! As the years roll by, our thoughts do tend to mellow down somewhat, but in the main, we still manage to file the question in the "too hard basket." Ultimately, we have no alternative but to admit there is a big problem, and belatedly try to figure out a feasible answer. Needless to say, although some folks do make a determined effort in this regard, the vast majority seem to just let nature take it's course, and wait until the day arrives.

Ain't 20 /20 hindsight wonderful! From this vantage point, and looking backwards, we can see it all, and see clearly what we should have done years ago, but at the end of the day, much of our worrying is to no avail, because we'll find we are going to fall into one of two groups. We will be either a self - funded retiree, who holds sufficient capital to be able to adequately finance his own retirement, or in the case of the rest of us, will be dependant to a greater or lesser extent, on Social Security or whatever similar service exists in our area.

This latter group, will

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