Squeaky

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Squeaky is the profile of a Singaporean who is married and stays at home to do all the cooking and some washings, collect in the dried clothes, and chasing the children to go to school etc.etc.

okey anyone wanna to ran the show at Sgwiki...I'll like my husband to go away and take a long, long leave..we'll luv to go to travel on the silk road from China to Crete...21:10, 31 May 2006 (SGT)

Sgwiki is another redundant, irrelevant, old seniors retiring backward useless unwanted site..
brrrrrrrrrrrrrrrrrrr.. well getting older means more wiser!
though not necessary smarter, okey?
However you oic..
I know it's isn't that funny
Besides, it's just U making up..

Sgwiki maintain a dump site for [[1]rubbish]
And it's always full
Well it's not because it's junk
Just you don't get it..
Getting older means richer in experience..

I calculated it's take a lot to live nowadays
How do U do for a living..
You learn and earn BTW
And never enough to spend
Moreover, U still need to "kapoh" a bit here and there from your generous parents

Maybe "Oh no I always give them plenty!"
So waht do u really give?
Money, you can aford to throw away?
Or your hard earned savings?
And you still complained about how little you get for inheritance
Even before your old parents "leave this world inpeace"

[edit] OLd parents still need to fence for themselves

They don't mind taking another job..
Where nobody really wants
They survive collecting old newsprint for sale to the "karlonggu-nee" man with the lorry
They seldom resort to begging, it's demeaning..
If they rely on your charity or sharity gifts..
They die of starvation long ago..

They watch and take care of your kids
You left behind.. When you claimed "Ah Ma"
I have important job to do
Try get a maid to do the job, for U!
As it were fooling U r so BIG?
For a few dollars an hour fooling urself to please your BOSS

How many times you give than you get?
ba.blah blah..bla blah!? Seriously don't forget we all will be getting older..
Did it ever dawn on you
You are catching up with lau-Pah or Lau Mah sooner than you thought.. In another thirty years
You will be even older than your old Lau-pah!!
Think about it, don't pretend to be stupid!

User:Squeaky: Alien talk 01:29, 20 October 2006 (SGT) .......................................................

[edit] Ideas for retiring

Plan for Retirement Work...and Then More Work: Building a Start-up After Retiring

By Kelly Spors From The Wall Street Journal Online From Career Journal

Oct. 9, 2006

When Gene Obermeyer retired in 1999, he and his wife planned to while away their time playing golf and soaking up sun.

But within four years, the former chief operating officer of a staffing firm realized he was restless and bored. He decided it was time to go back to work, this time for himself. Mr. Obermeyer spent several months researching business opportunities and settled on buying a franchise from LTS LeaderBoard Tournament Systems Ltd., of Coquitlam, British Columbia, to help run community golf tournaments.

The 63-year-old Dawsonville, Ga., resident now spends his days on the phone and meeting with tournament organizers, explaining the various extra services his business can offer them, such as big electronic scoreboards and extra games.

Overall, he's having a great time. But he says the new role forces him to be a "jack of all trades," something he wasn't accustomed to in the corporate world. "The downside is you're doing it pretty much by yourself -- I don't have a secretary or support staff I used to have," he says.

Like Mr. Obermeyer, growing numbers of adults age 50 and older want to start their own businesses, often after decades of working for someone else. But while being older offers some strong advantages for entrepreneurs -- such as vast life experience and extensive personal connections to draw upon -- it also poses unique risks and challenges.

Many older entrepreneurs don't have the stamina or the desire to put in long hours getting a business off the ground, and others can't afford to gamble a large chunk of their nest egg on a venture that may not pan out. Some simply have a hard time starting over after working for others for so long.

Sara Rix, a senior policy adviser at AARP, says some older adults considering entrepreneurship should think twice. "There's a risk of exhausting savings," she says. "There's less time for a self-employed older worker to recover."

According to a 2003 AARP survey, about 15% of baby boomers expect to own businesses in retirement. And that percentage is likely to grow as the work force grays and as more adults say they want to keep working past typical retirement age. "I think it's fair to say we'll see an increase in older entrepreneurs" in the next 10 years, says Ms. Rix.

She adds that the percentage of older Americans becoming entrepreneurs has actually dropped slightly since the late-1990s tech boom, when many people left jobs to start dot-coms. But she thinks the numbers will reach their boom-time heights again. One basic reason: Many older adults who say they want to keep working past the normal retirement age won't be able to hold on to their corporate jobs.

The Appeal of Autonomy

Currently, older adults are drawn to self-employment for a variety of reasons. Some are disenchanted after years in corporate America and crave the autonomy of being their own boss. Others see a chance to finally pursue a dream or hobby. And some are driven by pure necessity: They need income and can't find other work. Meanwhile, it's easier than ever to start a business from home with just a computer and Internet connection.

But not everyone is prepared for the realities of being self-employed. One of the biggest risks to starting a business later in life is money. By their mid-50s, many adults have stashed away a nest egg or have inherited money that can be used to fund a new business. But unlike people in their 20s or 30s, 50-year-olds don't have decades to recover from a failed venture, and their retirement savings can easily be wiped away.

About 66% of start-ups with employees close in their first four years, according to research by the Small Business Administration. And nonemployer businesses, which account for 75% of all U.S. businesses, are even more volatile, according to the SBA.

"It's a pretty substantial risk to be taking with your money at that age," says Bill Morland, Orange County chapter chairman of Score, a group of retired business executives who volunteer to counsel entrepreneurs. "You don't want to be putting your retirement savings on the line."

Then there's the problem of sustaining the "entrepreneurial bug." Older adults sometimes lack the energy and stamina to work 80-hour weeks and constantly promote their businesses, says Robert Litan, vice president of policy and research for the Kauffman Foundation, a Kansas City, Mo., resource center for entrepreneurs.

Years on the corporate treadmill can drain people emotionally and get them used to following orders. "They haven't had the experience of being rejected five, 20 or 60 times, so they can become easily discouraged," Mr. Litan says. "As we get older, we tend to get stuck in a groove. That is not good for entrepreneurship."

Soft Sell

Moty Koppes, 62, of Newport Beach, Calif., grappled with these issues when starting a career-coaching business in 1999, after several years working as a psychotherapist in a clinic. Ms. Koppes says her years of professional experience and relationships helped her recruit several clients. But avidly marketing and promoting her services didn't come naturally.

"When you're a psychotherapist, you put up a shingle and clients come to you," Ms. Koppes says, adding, "I see these 20- and 30-year-old coaches, and they're a lot more self-promotional than I am." Still, she feels that she may come across as more realistic than therapists who give clients the hard sell.

The problem of time and energy is particularly acute when older adults view self-employments as a way to phase into semiretirement. Most small-business people have to work long hours and make sacrifices in the first few years of a venture.

Leslie Levy, a 64-year-old in Sarasota, Fla., who's compiling a database of information on corporate boards of directors she hopes to sell one day, says she expected it would only take her a few years to finish. But now she's run a business putting the database together for about a decade. She says she works every day, even most Saturdays and Sundays. "Seriously, had I known how long it would take, I probably wouldn't have done it," she says.

One solution that appeals to many older entrepreneurs is buying a franchise business. It's not a perfect answer, by any means: The entrepreneur must still put a lot of capital on the line, and must devote a lot of work to starting up the company. But, historically, a larger share of franchises succeed than independent ventures. And the strict formula that franchisers provide to owners often appeals to people who have spent years working for someone else.

Lori Kiser-Block, vice president of FranChoice, a free franchise-matching service in Eden Prairie, Minn., estimates that 40% to 60% of her company's clients are in the 45-plus age group. "These are people that are disenchanted with corporate America and want to find something different to do," Ms. Kiser-Block says. "But if you come from corporate America, you're used to that corporate structure."

That was the case for Bob DiMartino, 57, of Carmel, N.Y. In the past two years, after losing his job at a telecom company, Mr. DiMartino has bought two Outdoor Lighting Perspectives franchises for about $170,000 altogether. He likes having the structure, formula and support network that the Matthews, N.C., lighting-design franchiser offered.

This year, he expects his two franchises to bring in combined revenue of $600,000 to $750,000. But he recognizes that franchises aren't for everyone. "It's definitely not for the independent person that says, 'The idea is mine,' " he warns.

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