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l6 - WAli Kl (X ) CHRONICLE 'Wrdnesddy. May l8. 2011 .. kw w W __“7 7 ,- , T n___,_+____ Retirement planning about more than money ‘ ) BY Gnu; MM:Do~Atii money. according to the their retirement. people don’t think much ofwork,” McCaw said. ate asocial life.- L (.‘Iirmut‘le bluff author ofa new self-helpbook. Most of the information about the realities of retir~ “They just want to cross . It 5 Your Time features | fl Donna McCaw is the availableabout retirement is ing. the finish line. but they tips on a number of life j lanning for retirement Elma-based author of It's about financial planning. "Most people‘are just haven’t thought about what adjustments retirees have to t Prequires more than just Your Time. a book that helps McCaw said. running like anything to get happens after that. . . make. _ ‘ . I setting aside enough soon<to-be retirees plan for Other than that. most to the end of the marathon Theres no consideration It helps ‘navtgate impor- ' men to t e l est e tant ecrstons a many I g‘ h H yl d _ th I ’ changes that a person people don't tlunk of. i -- has to adjust to when “They don't know where ’ ‘ ‘ b they give up work. she they're going to live, E W H Y Li n D 9| . "WE"? added.'lhat includesa whether they're goLng to M ‘ redefined relationship downsize or what I ey're L W . 33% a i between ' " ~ _,. spouses. gomg do. I “J ' ' ' ‘ xiii 1 "a; “The relationshi - t . t p McCaw has a back I 90 U B l: -E 0 " y . 1 I ;' géiggflg changes. for better or ground in retirement plan- » , DAVINCJQ /0 . {,2 Q; fig ii g a. for worse." McCaw ning and wanted her book i .. Stag ifigé said. “You need to be to be more than just advice. i ’7 if Shag} on the same page in She included checklists . fit} a gig! regards to what your and other exercises in the 3 . . __ . . _ in. mm mm: . tigttigigaia mm... minnows; ' ' ' I ' i you want to spend moreofanimpact. Ni) {LN/Witt l YUM ‘ -- ‘ " ' ' '25 §g§3§§5§§§§g your time and what “It's an empowerment UPGRADE . ' . 7 I , ' ‘ fill, “.13! you want your lifestyle tool." McCaw said. ‘ ' ganglia-132%; to be.” “It's very interactive. very â€". . . - g , The other big simple andeasyto read.” . Elm-“w giliggg 33'; adjustment is finding The most important 2011 ACCENTLSPORTIDR film Wm. 07. mo mu." flag {:2 agmupoffriends. thing is toplan for every r, HIGHWAY omen mart thrmssmo new!" 3331;; If Many . 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A \ IE“! gag: H ' 'l 'i 9“" OW t0 8C1 e j - .. y - - fl 3% £5??? : mm m.m Emma,” mmmm aggggiigfi'fig Continuedl’rompage 15 were significant enough ‘ ’ ‘ - ' ' ' ' ti y on" â€"n .- 1 53% {a much office space he ”Hf 53V_m85 {0 1115 T meson . gunman SONAlAGt §§§i R._g E needed to begin his busi- dotng things this “(a)" “41 m» 0% 353.3353?“ 3143' ”W m agm‘ggwggfi ”5' mm m gésgaayogfm Egg; Eiglg new. and how long he .lexplained to him that Mint-tit itnwmutm Fits iNCLUNf swam nuancmmm mouom “U5 "St Silt/[KW Humanoid? ngzfiwm ggâ€"izigigfigj expected to operate With the spare bedroom 0mm, nwms “WM I “Mm «mums ”Mm ”MM J gig? sir}? before be expanded and set up as his office, he ‘ n ' A I . . . no DOWN PAYMENT ' no own ”man no noun mm iii-Eiieggg ””3325... that a" he 3?‘ilivt'.2'§s‘é‘ii:§.f§'§£ iigigégggégé needed was a space large grid deduct‘them frotrn , on W is. i g ‘ u f a desk, and a Is gross income 0 . _ ' , “Wills; eno 8h or - ~ reduce his net tax. I told 1 20“ VERACRUZ Eggâ€"'21:: £31233 ‘ystTEARiygAnll‘JTl’t‘lggffis 0 E; a. ,, _ couple of filing cabinets. . ‘ _ «us A SEVEN-SEATER, MID-SIZE 7.5% mm ENGINE-eSPEED AUTOMATIC musmssmti {ii ii lg ; 3: He thoughtthat the spare Rilm‘thitbltfsh: wizartnha ‘ SUV WITH SERIOUS CARGO AND W oBLUETOOTH'HANDSf-REE PHONESYSTEM . . _ 1. 53. n 3 bedroom in his home 8h “5 §5 e pagm-mm~e CAPACITV" 'AVAILABLEAWD J j New -» ~ 33335.5 Q; would be ideal for this. ShQUId '90:?! "WOW?- . - an: ' ,. . 2*) ~' :' . .. . .= 'é He didn't think he would rating Hg away 0 . M _~_. ”a“ , ,. .. g .. ,. . . ”a. . s ‘ .. . 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SI“gt/h he l d t . 1 l t his business as a sole 9“ P anne 0 I 'l ’ ‘ itfl‘é‘hg perroprietorship initially. expand and moved "“0 pi i 1;- I and “9,11,33th were anofiice space anth 3!; .3! 3:9 realized for the expansion 5‘9“- I suggested he eon- flLllfllfi and hiring of staff. be 5m" incorporating at High 3§r§§ then look at incorporat- that Pomt _ i 9 {In 3 ing He didn't know that My recommendations It! ggiéfigi he could do that -- start 31133;?“ whim. agd Y M - ' I 4' outmasole rorietorâ€" e "HOME! e ' m H Y U n D R I l 333%; ship and me: 5:. up as a decision to begin his ’3 lékig"; corporation. business as a sole propriâ€" iiiirigfg' I told him that aor- ! â€"‘ althou there would be m ‘ mm'wmm'm l gingigfi‘, some flmn withhis RoyWeberisanadm'sor an» ”"1. un::- W m m I “if; accountant and lawyer to with the WSW! «and... ad momma no mas-oust u. I ll'lihgi transfer from his Badman": E-mai'l ~ Kitchen". 919 7424400 Wm. 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