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Early Retirement

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A strong economy with potential employers should you change your mind and choose or need to work part-time. Discuss your decision carefully with family members, particularly adult children and aging parents. Are they counting on you to be involved grandparents or to help out if they get sick? Pay close attention to resale value, too; if you do make a mistake, can you sell easily?

A second and related mistake is overestimating Medicare benefits. If you encounter serious health problems, the co-pays and deductibles can add up quickly, and some expensive drugs may not be covered at all.

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How to fix: Do the math, and make sure your estimate for retirement savings includes money to supplement Medicare. Consider buying supplemental health insurance coverage to fill in the gaps. In addition, older adults are easy prey for those selling annuities, insurance policies, and investments that may not be the best idea or may even be downright fraudulent.

Keep in mind that frauds and scams aimed at older adults are on the rise. How to fix: Review all your insurance policies to see if they still make sense.

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If possible, consult a reputable financial advisor who can help you analyze the risks and benefits of each type of policy you hold. Be careful with products such as annuities, which can lock up your funds and have high penalties for withdrawals. Be wary, too, of anyone trying to sell you something — in particular, sales pitches that come over the phone or solicitations that come in the mail. Run your decisions by someone you trust before signing anything or making a large payment to anyone.

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Even reputable banks and savings and loans have been known to give retirees the hard sell on annuities, reverse mortgages, and other products that may or may not be appropriate. In fact, people who lived where real estate costs were rising year after year treated the equity in their homes as a retirement fund. But in the past three years, many people who counted on their home for a nest egg found it seriously cracked. How to fix: Instead of selling, get creative with what you have.

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Instead, she partitioned her three-bedroom home. She hired a handyman to build out a simple kitchenette in an existing laundry room, carving out a small apartment for herself within the larger home.


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The rest she rents out to local graduate students, making it possible for her to break even on her mortgage payment. In contrast with nongovernmental organizations like HDC, states acting individually or collectively through an inter-governmental body like the United Nations UN or a regional forum arguably have important advantages in mediating and then safeguarding accords in armed disputes. A brand-new organization, HDC was nonetheless able to gain entry into the long-running conflict between GAM rebels and the Indonesian state and bring about significant agreements between the belligerents early and late Over time HDC increasingly reached out to key states, including Norway, the US, and others, to secure financial support and political backing for its dialogue efforts.


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In an effort to make broader interest in a successful peace deal more visible and to lend technical expertise to the dialogue process, HDC constituted a group of "wise men," international experts possessing considerable political stature and clear linkages to important countries. Also, learning from its vexed experience in monitoring the short-lived humanitarian pause from mid till early , HDC proposed a more ambitious third-party guarantor—the Joint Security Committee—which would guide implementation of the December COHA through the presence of military observers from nearby Thailand and Philippines.

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Three major themes emerge from the examination of HDC's role in Aceh. First, political dynamics within and around Indonesia shifted significantly between late and early It is not clear that the conflict, even if "ripe" at the start of this period, was still truly amenable for resolution in the face of intransigence from GAM and the Indonesian military on key issues.

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Second, HDC was repeatedly confronted with the limits to what a nongovernmental organization lacking formal power could do to ensure a successful accord.