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Retirees are supposed to enjoy their retirement and it is meant to be a fulfilling and an enjoyable time. However, stress enters the picture when issues like inflation and health enter the picture. Another major cause of stress is worry about having enough income to live and to remain financially independent. Worry and concern about making certain that income that will continue for a lifetime is a major issue.

Dealing with stress issues is an important part of a successful retirement. Knowing how to manage money and to make certain that funds will last long enough become a primary issue. Stress will also enter the picture when a retiree is forced to manage their funds and make decisions that can affect their long term financial stability.

If stress can be managed then life can be more enjoyable. If income is a concern consider allowing insurance companies manage your retirement accounts. Insurance companies are equipped with the tools necessary to diversify and to provide safety to your retirement plan. If an annuity product is used then the underlying guarantee of your funds can be fully insured and in place for your current and future use.

Insurance companies are regulated and examined by each state's departments of insurance. These regulators examine the company's assets and liabilities and make certain the company can fulfill their obligations to their policy owners. As an underlying guarantee, your funds are further guaranteed by your state of residence. These guarantees will generally cover the amount in an annuity of life insurance policy and vary by amount from state to state.

The guarantees are known as "state guarantee fund" and each state department of insurance will have available brochures explaining how this guarantee may be available to you. These guarantees are in place to add confidence to the consumer and to make certain that insurance companies are able to provide the benefits they offer.

Another good indication of stability is a 3rd party insurance rating service. Your department of insurance can assist you in understanding how these work and how they may factor into your decision. There are numerous rating services available.

If safety and security is an issue with you and your retirement funds look at the options insurance companies can offer to provide you lifetime income.

Bill Broich has written a free booklet about investing in annuities. To obtain your free copy please visit: Annuity Rates.

E! Online - We'd like to extend a warm welcome back to the West Coast to our favorite couple LiLo and SamRo. But with every bit of good news always comes some bad.

Retirement can be a very tough time for most people - even if you have made sure that you are financially secure, you still cannot be happy. You might have thought that the freedom and the relaxation might be just what you wanted, but in all likelihood, you will be disappointed.

For anybody who has been active for years, to be told one fine day that you have basically nothing to do, it can be very difficult. This might start giving you some moody fits even before your retirement dinner party, and this is only natural. However, you can start to alleviate this mood right from the time of your retirement dinner party.

After all, a party is mean to be fun - so go prepared. As part of your retirement dinner party speech, say a few funny retirement poems. Yes, this is why you must go prepared - you have to sit down and see if you can write a few funny retirement poems! Now, after you have written few, you will want to test the waters a bit before you can actually read them out aloud. This means - a blog. You can create a blog and upload a few of your funny retirement poems and see what the responses are.

Once you do this, you will see that there are other blogs like yours, maybe a few with even some funny retirement poems, like yours. This is a great way to start building a small network of people on the net - after all, it is never too late to find people who think and feel the same way that you do!

Once you do this and get a few responses, you can improve your own work and make sure that people read them. So, to do all of this, you have to start getting to work on your funny retirement poems at least a month before your retirement dinner party.

You will soon see that this is an interesting pastime, which you might like to pursue. Now that you have time to think, a blog is also the ideal place to jot down some of your thoughts and see if there are like-minded people out there - and there are bound to be plenty.

So, in one fell swoop, you will have solved quite a few of your problems - you will have found something that will keep you occupied once you have retired, you will have found a way to make the best retirement dinner party speech ever, and you will have found a few new friends! Retirement need not be that bad.

Katie Appleby is an accomplished niche website developer and author. To learn more about retirement, please visit You Retired for current articles and discussions.

AP - A man whose girlfriend sat on a toilet for so long that the seat adhered to her body will spend six months on probation.