Aging Gracefully and Being Contented

Having no children of our own, there is always a need for discussions and careful planning about how we can cope financially and physically when we grow older. Basically, my husband and I live very simple lives now and learned to be contented with what we have. Both of us were not really employed in any one company for long. We are more like self employed or work from home most of our working lives. My hubby does have some pension coming in when he qualifies in a few years time.

Some people are talking about pension annuities that can ensure a higher retirement annual income. This annuity pension rate differs between the gender of the same age. This is because it is generally expected that women live longer than men. Nevertheless, we can always shop around for the best annuity rates that can give the highest return.