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Question by Victor: How do you politely tell invitees drinks are not free at an upcoming retirement party?
I’m helping to coordinate a retirement party at a restaurant bar and want to make it clear, in a polite way, that drinks are not provided but rather they will need to purchase drinks through out the night on their own.

Best answer:

Answer by strech
One important issue of beverage functions is who pays for the drinks. There are three main scenarios:

a cash bar (a.k.a. a no-host bar) – Attendees pay for their own drinks.

a cash bar with tickets – The host issues vouchers to attendees for a limited number of free drinks, and attendees pay for any further drinks themselves.

a host bar (a.k.a. an open bar) – The host pays for all drinks, either by the hour, by the bottle, by the drink, or per person.

On the invitation, list it as a no-host bar, or drinks will be available for a nominal cost.

What do you think? Answer below!

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Debt – Debt Free Retirement a Thing of the Past?

The big 5 – 0 is considered one of life’s biggest milestones, with many looking forward to enjoying the financial freedom that has traditionally come to those approaching retirement.

For some this is the case, with credit cards, student and personal loans finally paid off – for the majority though, the debts accumulated over the lives’ will remain throughout most of their retirement.

Those that are lucky enough to clear the majority of their debts before entering retirement do so at an average age of 52 and three months. Those living in London stand the best chance of enjoying an early, debt-free retirement, with the average retirement age being just short of 43 years. This is likely to be down to the large wages and property values compared to other areas of the country.

As mentioned, for the most part, people’s debts are carried on into retirement, moreover, those that manage to clear themselves of credit card and personal loan debts still have a major debt to tackle – their mortgage.

It is estimated that one in five pensioners have an outstanding mortgage of £38,000 with one in eight still owing a staggering £50k!

What this means for the majority of those in their late 50s and early 60s is that they have to remain in employment in order to maintain their financial commitments. It is estimated that around 160,000 pensioners are still using credit cards to cover day to day expenses and household bills, a great deal of whom do not manage to meet the required monthly repayment.

Those approaching retirement are faced with two options; they can either cash in their pension and face a lower income throughout their retirement or hang onto their pension but remain in employment.

The credit crunch has led to a 20% reduction in value of personal pension schemes, which has resulted in financial experts advising people in this situation to hold onto their pension for the time being.

With an estimated 60,000 people over 80 still repaying their mortgage, outstanding debt is a major problem. If you are suffering from debt problems then it is advised you contact your local CAB (Citizens advice bureau) who will help draw up a debt management plan based on your situation.

Liam is a UK based writer.

We sent her on an Easter egg hunt all around the house with different clues. Each time she found the next clue, there was a gift given by someone. We started with the gas card, then the sushi dinner out etc in order of the gifts in the booklet we gave to her. At first she thought she was being given a ‘dinner out’. Then a ‘trip to Halifax’. Then a ‘night in a hotel somewhere’. She was very confused!! This video is towards the end. There was a large gift that included all of the things for Vancouver. When she opened the Vancouver gift filled with gift cards, brochures etc she almost fainted. She thought she was going to Vancouver as her retirement gift — and already almost fainted! Under the gift there was one more clue….
Video Rating: 0 / 5

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Free Psychic Card Readings
If you could see your future, would you look?
Free Psychic Card Readings

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Weekly Poems from Poems for Free: A Retirement Poem and More

NO ONE JUGGLED TIME AS WELL AS YOU

No one juggled time as well as you,
Interweaving literature and law,
Nor served as long and well, nor rendered to
Our students so much life as in your store.
Favors were your pleasure; ease, your grace.
Although you did much, much of what you did
Lay unobserved, so leisurely your pace,
Careful to keep agita well hid.
Over forty years you taught of beauty,
No less for love than conscientious duty,
Embracing with a zest your time and place.

TOUGH AND LOVELY

Tough and lovely, to see my child gain
What personality she will assume,
Each bit and gesture worked on year by year,
No stopping till the character is clear.
Tough and lovely, to see the child remain
Yet underneath the mask that is her doom.

Only slowly does the child disappear,
Not needing me to kiss away all pain,
Entering alone the darkened room.

IN MANY WAYS, IT’S AS IF I LAST SAW YOU

In many ways, it’s as if I last saw you
Recently, the image is so clear –
Even your eyes, hidden behind sunglasses on the pier;
Nor does it take much to restore you
Exactly, as if once again you were here.

A WEDDING IS A PARTY

A wedding is a party with,
Of course, a wedding cake.
But sometimes by the time it comes,
It’s hard to stay awake.

People need to talk a lot,
And laugh and joke and kiss,
And cry – why do they cry? – and mention
God and love and bliss.

Two people have decided that
They’ll share one house for life,
And call themselves, instead of friends,
A husband and a wife.

And so we have to get dressed up,
And eat a lot, and wait
For hours till they finally serve
The great big wedding cake.

TO THE FOUNDING FATHERS

Your light still lingers in our distant morning,
A star that we perceive across the void.
We chart our passage by your words, still burning
Long after your bright core has been destroyed.
No longer do we speak of “natural” rights,
Nor can we think that Reason guides our will.
We’ve been through far too many gruesome nights
To hope we have reduced our lust to kill.
Yet hope remains the engine of our fire,
Hope that someday all of us will be
Happy in the least that we require:
Well-fed, well-housed, safe, secure, and free.
This dream we still pursue. Though darkness come,
Your wisdom, hope, and courage through us run.

HAPPINESS COMES FROM CHOOSING HAPPINESS

Happiness comes from choosing happiness,
As love’s the consequence of choosing love.
Perhaps all angels shall the weaker prove,
Pinned by those whose fortunes they must bless.
Yet some must make their choice under duress,
Salvaging the unspent sweetness of
Each moment that across their sea might move,
Vivid in the wake of its caress.
Endurance is no name for an embrace,
Nor is one’s joy much kindled by one’s fury.
There is but death and illness in the offing;
Eventually, all life ends in pain.
Even so, love touches life with grace,
Not vested in the verdict of the jury,
Transforming what would else have little meaning,
Happily engaged again, again.

A CHILD IS THE GREATEST GIFT

A child is the greatest gift
That our lives can bestow.
It brings the most exquisite joy
That we will ever know.

Some days deliver happiness,
Far more than we can touch.
We need the help of all our friends
To comprehend how much.

And so we thank you for the gifts,
Both those you brought and are,
That celebrate this rich, full life
And its rising star!

Nicholas Gordon is a poet and the webmaster of the popular poetry site, Poems for Free at http://www.poemsforfree.com. He holds a Ph.D. in English and American Literature from Stanford University. For most of his working life, he taught English at New Jersey City University, in Jersey City, NJ.

Article from articlesbase.com

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A few retirement poems products I can recommend:

Travel Thailand Free – Thai Imports Tutorial
Thai Imports Tutorial covers all aspects of the Import Business. Whether a hobby or career, it all starts here. Step by step instructions written by a successful retired importer. Where to buy goods, methods of shipping Plus 10 proven marketing options.
Travel Thailand Free – Thai Imports Tutorial

Christian Poetry Books
After reaching over one million viewers to his website www.richardshanereinert.com. Many of his poems were put together into this collection in hopes that he can reach many more people and encourage them through the poems God has given unto him.
Christian Poetry Books


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Question by Beam me up (: ] ): Where is the best place to find prices of sports cards for free?
I have a very unique Michael Jordan retirement card that I have searched all over trying to learn more about it. There is no number on it and it is made by Celebrities ’94 which I have never seen other than this card. Has anyone else seen it?

Best answer:

Answer by makemoney387
In my source it shows a list of all michael jordan cards made in 1994 with photos and book value along with asking price.

Hope this helps

Give your answer to this question below!

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Question by challklette: are there any free bird watching poems, suitable for retirement party?

Best answer:

Answer by bakbiter
you can use this one:

a yellow bird
with a yellow bill
landed upon
my window sill
i coaxed him in
with crumbs of bread
and then i smashed
his little head

What do you think? Answer below!

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Tips for a Debt Free Retirement

Whether your retirement seems decades away or just around the corner, it is something we have dreamed about at one point in our lives.


Have you had the daydream where you give that final notice and within weeks are on a plane to somewhere tropical to start your vacation for the rest of your life?


Also known as the “golden years,” retirement might not seem so golden if you find yourself with a mortgage to pay off, medical insurance, auto loans, country club expenses and the cost of living.


Typically, retirement means that you will need less money since your professionally expenses (lunch, clothing, parking, gas, etc.) are now eliminated. However you need to consider that there are other expenses that just might take their place.


It has been estimated that the average American is going to require around 70% of their income earned (in the peak years) for their retirement fund. So let’s say you were making ,000 a year, now you are going to need about ,000 in retirement to survive. This may seem like a lot, but take a few things into consideration.


Your medical expenses are going to be higher now because you are older. Now that you are not working, your insurance from your employer is gone. So lets look at a family (of two for example) might have a co-pay of to , well their monthly medical expenses could be up to 00.


Think about all the free time that comes with retirement. You know that has made its way into your dreams, heading out for a 10am tee time or brunch with the girls. The leisure expenses can add up as well.

While working, your monthly expenses probably include a mortgage, insurance, automobile payment and insurance, utilities, food and credit cards.


Some of these expenses will carry over into your retirement. Think insurance, utilities and food, things that you pretty much need to live. Now there are expenses that you can pay off and live without, like the credit cards, mortgage and auto loans. This should be your main priority to focus on before retirement so you can start off debt free.


Credit cards are probably your worst enemy. Start there and get it out of your life. You absolutely do not want to enter retirement with credit card debt and if you do, work now to minimize that debt. Managing your debt has become a huge problem for Americans. Approximately 30 million Americans are struggling with bad credit and that is usually due from credit cards.


Take the time now to analyze your debts. Come up with a plan to get out of debt and pay off all of your credit cards. You will be happy you did.


If you still have an automobile loan or loans, try to get it paid off before retirement. Next to credit card debt, you really don’t want to have a car payment at this point in life. Of course you need a car (think of all that free time that comes with retirement) just make sure to come up with another plan to pay off that car in full as well.


Now for the biggest expense in your life, the mortgage. Of course you need a place to live. That is unavoidable. If you start now, and make extra mortgage payments every year then you will be working to get rid of it. Let’s say you are paying 00 a month, at the end of the year send them an extra 00. Or you could break that up into smaller payments each month.


If you have a 30 year loan this method can reduce your mortgage term down to 23 years. Once you have paid the mortgage off that will eliminate your biggest expense, and in the future if you absolutely have to, you can take out a reverse mortgage.


Just remember that a lot of parents will start saving for their kids education before getting out of debt. Keep in mind that your children actually have a stronger earning potential than you do! Your ability to work in this fast-paced, quickly changing world with a high paying job is not as likely as your children.


Also, a good credit rating at this point is really important because you want to be able to use that towards any credit application in the event of emergencies. Getting rid of your debts before retirement will guarantee that you are in good standing.


Debt relief is available for those who need it. If you want to settle your debts before entering into retirement, there are companies who can help. They can negotiate on your behalf and before you know it, you will be on your way to financial freedom. After that, you will be living in retirement, not only stress-free, but debt-free as well.

Christina Costa, a freelance writer, recommends eQuoteGrabber.com for debt relief where you can receive help with all of your personal debt settlement needs in seconds! Visit http://www.eQuoteGrabber.com

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Tips for a Debt Free Retirement

Whether your retirement seems decades away or just around the corner, it is something we have dreamed about at one point in our lives.


Have you had the daydream where you give that final notice and within weeks are on a plane to somewhere tropical to start your vacation for the rest of your life?


Also known as the “golden years,” retirement might not seem so golden if you find yourself with a mortgage to pay off, medical insurance, auto loans, country club expenses and the cost of living.


Typically, retirement means that you will need less money since your professionally expenses (lunch, clothing, parking, gas, etc.) are now eliminated. However you need to consider that there are other expenses that just might take their place.


It has been estimated that the average American is going to require around 70% of their income earned (in the peak years) for their retirement fund. So let’s say you were making ,000 a year, now you are going to need about ,000 in retirement to survive. This may seem like a lot, but take a few things into consideration.


Your medical expenses are going to be higher now because you are older. Now that you are not working, your insurance from your employer is gone. So lets look at a family (of two for example) might have a co-pay of to , well their monthly medical expenses could be up to 00.


Think about all the free time that comes with retirement. You know that has made its way into your dreams, heading out for a 10am tee time or brunch with the girls. The leisure expenses can add up as well.

While working, your monthly expenses probably include a mortgage, insurance, automobile payment and insurance, utilities, food and credit cards.


Some of these expenses will carry over into your retirement. Think insurance, utilities and food, things that you pretty much need to live. Now there are expenses that you can pay off and live without, like the credit cards, mortgage and auto loans. This should be your main priority to focus on before retirement so you can start off debt free.


Credit cards are probably your worst enemy. Start there and get it out of your life. You absolutely do not want to enter retirement with credit card debt and if you do, work now to minimize that debt. Managing your debt has become a huge problem for Americans. Approximately 30 million Americans are struggling with bad credit and that is usually due from credit cards.


Take the time now to analyze your debts. Come up with a plan to get out of debt and pay off all of your credit cards. You will be happy you did.


If you still have an automobile loan or loans, try to get it paid off before retirement. Next to credit card debt, you really don’t want to have a car payment at this point in life. Of course you need a car (think of all that free time that comes with retirement) just make sure to come up with another plan to pay off that car in full as well.


Now for the biggest expense in your life, the mortgage. Of course you need a place to live. That is unavoidable. If you start now, and make extra mortgage payments every year then you will be working to get rid of it. Let’s say you are paying 00 a month, at the end of the year send them an extra 00. Or you could break that up into smaller payments each month.


If you have a 30 year loan this method can reduce your mortgage term down to 23 years. Once you have paid the mortgage off that will eliminate your biggest expense, and in the future if you absolutely have to, you can take out a reverse mortgage.


Just remember that a lot of parents will start saving for their kids education before getting out of debt. Keep in mind that your children actually have a stronger earning potential than you do! Your ability to work in this fast-paced, quickly changing world with a high paying job is not as likely as your children.


Also, a good credit rating at this point is really important because you want to be able to use that towards any credit application in the event of emergencies. Getting rid of your debts before retirement will guarantee that you are in good standing.


Debt relief is available for those who need it. If you want to settle your debts before entering into retirement, there are companies who can help. They can negotiate on your behalf and before you know it, you will be on your way to financial freedom. After that, you will be living in retirement, not only stress-free, but debt-free as well.

Christina Costa, a freelance writer, recommends eQuoteGrabber.com for debt relief where you can receive help with all of your personal debt settlement needs in seconds! Visit http://www.eQuoteGrabber.com

Advice on saving and investing for retirement.

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Myles earns some Summer cash, Cheryl makes inexpensive wedding memories and DeAndre’ says your never to young to save.
Video Rating: 5 / 5

MSgt Carr getting some retirement gifts from “Dr Death” MSgt Tim Ward, Capt Dudley and “Sgt AirForce” TSgt Kurtz at RAF Bentwaters 1992.


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