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Thursday, July 3, 2008

Auditing for Management Systems

ACCORDING to a survey carried out by the International Standards Organisation (ISO) secretariat, India is one of the top 10 countries with over 40,000 companies certified to various ISO standards. The international standards developed by ISO offers Indian companies practical solutions because they represent a reservoir of technological know-how of product,performance,quality, safety and environmental specifications. These standards have the advantage of being backed by an international consensus on the state of the art technologies.
   Companies that are committed to corporate social responsibility (CSR) conduct social accountability and environmental compliance audits to validate the transparency, consistency and integrity of their supply chain. The objective of social accountability audits/monitoring (including code of conduct, human rights, ethical, environmental and health requirements) is to ensure that the suppliers and vendors abide with the company's commitment to CSR. Multinational retailers employ secondparty auditors or contract an independent third party agency to conduct these audits.


GROWTH AREAS    


The Indian economy experienced a GDP growth of 9% during 2005-06 to 9.4% during 2006-07. By 2025, India's economy is projected to be about 60% the size of the US economy. This tremendous growth in the Indian economy will be fuelled by the industrial and the services sector. It is estimated that by 2020, every organisation in India that is exporting products or services will be certified or audited to an international, industry or customer standard. ISO certifications have emerged as an important currency of global trade and instrument of economic growth. International standards, conformity assessment systems and code of conduct audits support in improving efficiency of production and facilitating international trade.
   The first generation of economic reforms in India in the 1990s was also the harbinger of management systems in Indian industries. Globalisation, liberalisation and privatisation have tremendous implications for management systems. Export-oriented units and MNCs have strived to blend India's competitive edge with management systems tools and techniques.The adoption of a management system is a strategic decision of any organisation. Management systems play a determining role in increasing productivity, providing quality products and services, ensuring customer satisfaction, upgrading technology and skills of employees among others. The design and implementation of an organisation's management system is influenced by varying needs, objectives, products, processes, size and structure of the organisation.


INDUSTRY OVERVIEW    


Auditing helps to generate immense knowledge, communication and leadership abilities.There are several career options for those who have the right aptitude and skills to be successful auditors.
   Engineers should attend an International Register of Certified Auditor (IRCA) course for Management System Certification (ISO 9001, 14001, OHSAS 18001, SA 8000, HACCP) conducted in all major cities by certification bodies such as Det Norske Veritas, (DNV), Bureau Veritas Quality International (BVQI) and the British Standards Institute (BSI). Details are available on www.iso.org and www.irca.org

   Environmentalists may attend the advanced environmental management system auditing course approved by the Institute of Environmental Management Assessment (IEMA website at www.iema.net) or IRCA, and may contact some of the above organisations.

   Energy auditors need to pass the examination conducted by Bureau of Energy Efficiency. For details one can refer to

www.energymanagertraining.com

   An auditor is an independent person authorised to evaluate the extent to which audit criteria are fulfilled.

   The scope and scale of audits may be different, but some skills and traits are common for all successful auditors:

   


• The visionary:


The auditor inspires the auditee with a vision, and by setting benchmarks.The auditor can see the holistic view, the interdependence of various functions in an organisation, and the linkages of various processes.
   


• The lady/gentleman:


The audit is a formal assessment of an organisation, and requires dignity in speech and action. Every auditing organisation has a dress code for its auditors. Audit timings should also have formal office hour durations.
   


• The teacher:


Experience is important in the auditing profession to command respect from the auditee. Credibility and faith in the judgment of the auditor transforms an auditor-auditee relation to a holistic guru-shishya relationship. Auditors should be convinced that their profession is a noble one, and the purpose is to make a difference.
   


• The technocrat:


Auditors possess sound technical knowledge. They are required to be wiser than the auditee, else they may face embarrassment. Auditors should be prepared to face challenges from the auditee on any finding, and should be in a position to defend it with knowledge and illustrations.
   

• The team player:Auditing is usually considered a lonely profession, much like marathon running. A good audit team can carry out complex audits by tracing the audit trail through a maze of byzantine processes and procedures, documents, records and interviews.

   

• The people manager: An auditor needs interviewing and reporting skills to make an impact. It requires optimal tact and firmness in communicating to the auditee about the audit findings.The auditor always controls the situation and maintains a sense of humour.


REMUNERATION


Audits are important in all professions to determine the extent to which organisational requirements are fulfilled. Audits involve creative interpretation of facts and figures. It needs imagination and initiative to identify and develop audit issues. It is an intellectual pursuit that helps to understand existing realities.
   Indian auditors are in demand globally for their technological and communication skills, adaptability, and integrity. Management system professionals can work in international certification bodies and accreditation bodies.Management representatives are the highest paid in the industry and they are responsible to maintain and improve the Certified Management Systems.

   Some of the brightest professionals have turned entrepreneurs. Opportunities also exist with multinational retailers for compliance auditors to conduct CSR and code of conduct audits. Auditing is an immensely satisfying profession because it is lucrative, creative and challenging.

 

Bioinformatics career - career option

Are you interested in the life sciences? Are you interested in computers too? If the answer is in the affirmative, you should go in for a course in Bioinformatics. This is the field in which there is a happy amalgamation between biology and information technology. You will analyse the huge amount of genomic sequence information which has been generated thorough years of research. Your analysis will throw light on the evolution of several species on the earth and will also help mankind to unearth the several mysteries of genetics. Bioinformatics is increasingly being utilized in pharmaceuticals, textiles, agricultural and biotech companies. This industry is growing by leap and bounds in India and several other foreign countries too. The prospect of finding a job, with a professional course in Bioinformatics under one's belt, are really immense.

 

The management and analysis of data by the usage of advanced computing systems is known as Informatics. Bioinformatics is the disciplines in which databases of biological information are created and maintained. Bioinformatics is the field in which information science is applied to biology.

 

Molecular biology has made tremendous advances in the past few decades. Large amount of complex data has been generated with the availability of equipments for research in this field. Research in this field has resulted in the complete sequencing of the genomes of several bacteria and also of some simple eukaryotes. Large portions of the genomes of several species have also been sequenced. There is rapid progress in the Human Genome Project whose objective is to sequence all the 24 human chromosomes. There has also been enormous growth in comprehensive sequence databases like the DDBJ (DNA Data Bank of Japan); the EMBL (European Molecular Biology Laboratory) and GenBank. Most of the databases comprise nucleic acid sequences and protein sequences derived from them. Mostly, the data is in the form of sequences, images, intensities, pathways (networks and circuits) and structures. The representation, modelling and simulation of biological systems is dealt with, at a advanced level, in Bioinformatics.

 

The minimum eligibility criteria in order to study Bioinformatics is the successful completion of 10+2 with Physics, Chemistry, Mathematics and Biology as subjects. One also hast to have a minimum of 60 percent of marks in each of these subjects.

 

In order to pursuer higher studies in Bioinformatics, one should be a graduate in computer science with an additional degree in Biology of one should be a biologist with a degree in computer science. In order to study Bioinformatics at the level of Postgraduation, one should have pursued the subjects of Life Science or Mathematics / Statistics / Computers / Information Technology during one's graduation. Since Bioinformatics is the science where biology and computer science merge, one needs to have very strong background in these two areas.

 

One needs to qualify in the IIT-JEE entrance examination in order to pursue a course in Biotechnology at the IITs.

 

Aptitude:

 

One should have very keen interest in the subjects of Biotechnology and Computer Sciences in order to study Bioinformatics. One should be creative and innovative, since a job in this field requires the development of software that would help in bringing about breakthroughs in research. One should have keen interest in molecular biology and have an urge to find out the complicated sequences of genomes. One should be hardworking and also have an experimental bent of mind.

 

Course:

 

Undergraduate and Postgraduate courses in Bioinformatics are available at various institutes and universities in the country. Courses in Bioinformatics are available at the Jawaharlal Nehru University, New Delhi; Welingkar Institute of Management, Mumbai (Maharashtra); Institute of Bioinformatics and Applied Biotechnology, Bangalore (Karnataka) etc. The Welingkar Institute of Management offers an M.Sc. in Bioinformatics in collaboration with the Nottingham Trend University of the UK. The NIIT in association with the Indian Institute of Technology, New Delhi, offers an intensive course in Bioinformatics at IIT, New Delhi. A one-year Advanced Diploma in Bioinformatics is offered by the Jawaharlal Nehru University in New Delhi.

 

 

Bio informatics Software and Tools, Computational Biology, Molecular Biology, Biological Databases, Biostatistics, Molecular Modelling, Drug Designing, Bio-programming and Genomics a vital areas for a programme on Bioinformatics. Other topics that one will be required to study in a course on Bioinformatics are Biochemistry, Cell Biology, Structural Biology, Mathematical Biology and Computer Simulations in Biology.

 

Prospects:

 

According to the NASSCOM (National Association of Software and Service Companies), Bioinformatics is one is one of the fastest growing among all emerging industries. Several institutes across the country, funded by the Government of India, are carrying out research activities in the field of Bioinformatics. The center for Cellular and Molecular Biology, Hyderabad (Andra Pradesh), the Institute of Microbial Technology (Chandigarh), the Bose Institute, Kolkata (West Bengal), the University of Pune, Pune (Maharashtra, the Indian Institute of Science, Bangalore (Karnataka) and the Jawaharlal Nehru University, New Delhi are a few notable institutes which, funded by the Government of India, carry on research work in Bioinformatics. One can go in for research work at these institutes.

 

One who is professionally trained in Bioinformatics can get job opportunities abroad too as Biotechnology and Bioinformatics are two disciplines, which have an international career option. If one generates as a trained processional, having done a high-end course from a premier institute, one will be able to take a good position in this ever-expanding field.

 

Bioinformatics presents a new business opportunity to the Information Technology Industry. The IT industry provides services to those industries where Bioinformatics is applied directly. The scope of finding a job within a software company, as a Bioinformationist, is immense, with divisions of Bioinformatics being established within reputed organization like Infosys, Wipro, TCS (Tata Consultancy Services) and HCL (Hindustan computers Limited). In the software adequately trained in the IT disciplines and in life science, will readily find jobs.

 

Biomedical organizations, biotech organizations, pharmaceutical companies, agricultural companies, software companies and academic institutions are some avenues where one can find a job, if one is a trained professional in the discipline of Bioinformatics.

 

One can find jobs in several Biotech industries like CuraGen, Strand Life Sciences, Avestha Gengraine Technologies Private Limited and Celera Genomics which recruit experts in Bioinformatics. One can find jobs in academic institutions and pharmaceutical industries. One can find a job at an academic institution like the center for Cellular and Molecular Biology in Hyderabad. One can also find a job in various Indian biotech and Pharmaceutical industries like GVK Biosciences, Dr.Reddy's Laboratories, Ranbaxy, Torrent Pharmaceuticals, Biscon in Bangalore and AstraZeneca Research Centre in Bangalore, Which employ professionals in the field of Bioinformatics. Research laboratories of Bioinformatics and Bioinformatics' tools companies employ informaticians who have deep skills in programming.

 

In the Bioinformatics sector, who will be offered jobs like system analysts, applications analyst, database designer / administrators, programmer, technical support, marketing, systems engineers etc.

 

Remuneration:

 

Handsome pay package are offered to the one who have done a professional course in Bioinformatics. One can start one's career as a Project Assistant with a salary of Rs.6,000 to Rs.7,000 per month. If one starts as an Analyst, one will draw a starting salary of Rs.8,000 per month. As an Assistant Programmer, one will earn in between Rs.8,000 to Rs.9,000 per month. One who starts as a Content Editor in the field of Bioinformatics will earn a salary in the range of Rs.8,000 to Rs.10,000 per month. Trained Bioinformaticians are huge demand in the USA, Europe and Australia also.

 

Tuesday, July 1, 2008

Beautician Career Courses Offered

Career Course Institutions & Eligibility in India ::: Beautician

 

 

Beautician Career Courses Offered

Institution Name

Eligibility for Beautician Career Course

Beauty Theraphy, Cosmetology, Hair Dressing, Professional Make-up.

Loyola Institute of Vocational Education, Loyola College, Chennai - 600 034.

Non-formal

Beauty Theraphy Cosmetology, Hair Dressing, Professional Make-up

International Polytechnic for Women 1860, Sector 34-D Chandigarh.

Non-formal.

1 Year Hair & Skin Care Basic Skill course conducted under the aegis of NCVT.

RVTI for Women, Kazhakuttom, Trivandrum - 695 582.

SSLC pass students Admission on merit basis.

B.A. in Beautician

Akbar beerbhoy Girls Polytechnic, Fort, Mumbai 400 001.

+2

B.A. in Beautician

Habib's Hair Academy, M3 South Extension II, New Delhi 110 049.

+2

Certificate Course in Make Up and Hair Style

Maharani Bagh Polytechnic for Women, New Delhi 110 065

Nonformal

Certificate Course in Beauty Therapy

Shahnaz Hussain's Woman's World International Institute of Beauty, Delhi 110 048.

Norformal

Certificate course in Beauty Therapy

Women's Career Institute, 3721/1 Kanhaiya Nagar, Trinagar, Delhi

Nonformal

 

Bioinformatics career - career option

Are you interested in the life sciences? Are you interested in computers too? If the answer is in the affirmative, you should go in for a course in Bioinformatics. This is the field in which there is a happy amalgamation between biology and information technology. You will analyse the huge amount of genomic sequence information which has been generated thorough years of research. Your analysis will throw light on the evolution of several species on the earth and will also help mankind to unearth the several mysteries of genetics. Bioinformatics is increasingly being utilized in pharmaceuticals, textiles, agricultural and biotech companies. This industry is growing by leap and bounds in India and several other foreign countries too. The prospect of finding a job, with a professional course in Bioinformatics under one's belt, are really immense.

 

The management and analysis of data by the usage of advanced computing systems is known as Informatics. Bioinformatics is the disciplines in which databases of biological information are created and maintained. Bioinformatics is the field in which information science is applied to biology.

 

Molecular biology has made tremendous advances in the past few decades. Large amount of complex data has been generated with the availability of equipments for research in this field. Research in this field has resulted in the complete sequencing of the genomes of several bacteria and also of some simple eukaryotes. Large portions of the genomes of several species have also been sequenced. There is rapid progress in the Human Genome Project whose objective is to sequence all the 24 human chromosomes. There has also been enormous growth in comprehensive sequence databases like the DDBJ (DNA Data Bank of Japan); the EMBL (European Molecular Biology Laboratory) and GenBank. Most of the databases comprise nucleic acid sequences and protein sequences derived from them. Mostly, the data is in the form of sequences, images, intensities, pathways (networks and circuits) and structures. The representation, modelling and simulation of biological systems is dealt with, at a advanced level, in Bioinformatics.

 

The minimum eligibility criteria in order to study Bioinformatics is the successful completion of 10+2 with Physics, Chemistry, Mathematics and Biology as subjects. One also hast to have a minimum of 60 percent of marks in each of these subjects.

 

In order to pursuer higher studies in Bioinformatics, one should be a graduate in computer science with an additional degree in Biology of one should be a biologist with a degree in computer science. In order to study Bioinformatics at the level of Postgraduation, one should have pursued the subjects of Life Science or Mathematics / Statistics / Computers / Information Technology during one's graduation. Since Bioinformatics is the science where biology and computer science merge, one needs to have very strong background in these two areas.

 

One needs to qualify in the IIT-JEE entrance examination in order to pursue a course in Biotechnology at the IITs.

 

Aptitude:

 

One should have very keen interest in the subjects of Biotechnology and Computer Sciences in order to study Bioinformatics. One should be creative and innovative, since a job in this field requires the development of software that would help in bringing about breakthroughs in research. One should have keen interest in molecular biology and have an urge to find out the complicated sequences of genomes. One should be hardworking and also have an experimental bent of mind.

 

Course:

 

Undergraduate and Postgraduate courses in Bioinformatics are available at various institutes and universities in the country. Courses in Bioinformatics are available at the Jawaharlal Nehru University, New Delhi; Welingkar Institute of Management, Mumbai (Maharashtra); Institute of Bioinformatics and Applied Biotechnology, Bangalore (Karnataka) etc. The Welingkar Institute of Management offers an M.Sc. in Bioinformatics in collaboration with the Nottingham Trend University of the UK. The NIIT in association with the Indian Institute of Technology, New Delhi, offers an intensive course in Bioinformatics at IIT, New Delhi. A one-year Advanced Diploma in Bioinformatics is offered by the Jawaharlal Nehru University in New Delhi.

 

 

Bio informatics Software and Tools, Computational Biology, Molecular Biology, Biological Databases, Biostatistics, Molecular Modelling, Drug Designing, Bio-programming and Genomics a vital areas for a programme on Bioinformatics. Other topics that one will be required to study in a course on Bioinformatics are Biochemistry, Cell Biology, Structural Biology, Mathematical Biology and Computer Simulations in Biology.

 

Prospects:

 

According to the NASSCOM (National Association of Software and Service Companies), Bioinformatics is one is one of the fastest growing among all emerging industries. Several institutes across the country, funded by the Government of India, are carrying out research activities in the field of Bioinformatics. The center for Cellular and Molecular Biology, Hyderabad (Andra Pradesh), the Institute of Microbial Technology (Chandigarh), the Bose Institute, Kolkata (West Bengal), the University of Pune, Pune (Maharashtra, the Indian Institute of Science, Bangalore (Karnataka) and the Jawaharlal Nehru University, New Delhi are a few notable institutes which, funded by the Government of India, carry on research work in Bioinformatics. One can go in for research work at these institutes.

 

One who is professionally trained in Bioinformatics can get job opportunities abroad too as Biotechnology and Bioinformatics are two disciplines, which have an international career option. If one generates as a trained processional, having done a high-end course from a premier institute, one will be able to take a good position in this ever-expanding field.

 

Bioinformatics presents a new business opportunity to the Information Technology Industry. The IT industry provides services to those industries where Bioinformatics is applied directly. The scope of finding a job within a software company, as a Bioinformationist, is immense, with divisions of Bioinformatics being established within reputed organization like Infosys, Wipro, TCS (Tata Consultancy Services) and HCL (Hindustan computers Limited). In the software adequately trained in the IT disciplines and in life science, will readily find jobs.

 

Biomedical organizations, biotech organizations, pharmaceutical companies, agricultural companies, software companies and academic institutions are some avenues where one can find a job, if one is a trained professional in the discipline of Bioinformatics.

 

One can find jobs in several Biotech industries like CuraGen, Strand Life Sciences, Avestha Gengraine Technologies Private Limited and Celera Genomics which recruit experts in Bioinformatics. One can find jobs in academic institutions and pharmaceutical industries. One can find a job at an academic institution like the center for Cellular and Molecular Biology in Hyderabad. One can also find a job in various Indian biotech and Pharmaceutical industries like GVK Biosciences, Dr.Reddy's Laboratories, Ranbaxy, Torrent Pharmaceuticals, Biscon in Bangalore and AstraZeneca Research Centre in Bangalore, Which employ professionals in the field of Bioinformatics. Research laboratories of Bioinformatics and Bioinformatics' tools companies employ informaticians who have deep skills in programming.

 

In the Bioinformatics sector, who will be offered jobs like system analysts, applications analyst, database designer / administrators, programmer, technical support, marketing, systems engineers etc.

 

Remuneration:

 

Handsome pay package are offered to the one who have done a professional course in Bioinformatics. One can start one's career as a Project Assistant with a salary of Rs.6,000 to Rs.7,000 per month. If one starts as an Analyst, one will draw a starting salary of Rs.8,000 per month. As an Assistant Programmer, one will earn in between Rs.8,000 to Rs.9,000 per month. One who starts as a Content Editor in the field of Bioinformatics will earn a salary in the range of Rs.8,000 to Rs.10,000 per month. Trained Bioinformaticians are huge demand in the USA, Europe and Australia also.

 

From Unemployed to Business Owner..........Five Tips

Five Tips for Transitioning From Unemployed to Business Owner

Take Time: The day you receive your pink slip is often not the day to start a new business. The emotional toil of being new to the unemployment scene is not a time for big decision-making. Being let go often invokes feelings of resentment and anger. Take a few weeks to adjust to your new circumstance and clear the emotion for some down-to-earth logical decisions of your life path.

Assess Skills & Experience: Review your skills, experience, and passions to see if your business idea fits with your current situation. If the venture is in a new area where you have little background, the learning curve and expenses will be greater. A job in your business industry will shorten the learning cycle and preserve start-up cash.

Evaluate Your Industry: Transferring experience and skills to become an independent owner requires an honest look at the health of your industry. Corporations often rely on outsourcing work functions that aren't a core part of the business. Contact associations for your business to gauge the level of outsourcing activity. Don't forget to look at the over growth of the industry.

Check the Bank Account: Set up a business and personal budget to see if you can cope with a six to twelve month loss of income. It is far better to bootstrap your operation with funds from a severance and savings. Next, talk to family and friends for seed capital. A last resort is borrowing cash because of the increased risk. Many businesses can be started with limited money especially service or consulting companies.

Develop a Timeline: Set a realistic timeline to start the company. For people that tend to be planners, start before you have all the information and don't get caught up in paralysis analysis. For the take action types, don't run and start but spend more time in the planning phase.

Remember being laid off can often be a blessing in disguise. If these five tips overwhelm you, then the timing isn't right. If you feel strongly motivated, take this as an opportunity to set your own independence and do what you always wanted to do. The work may be longer and the pay fluctuating, but in the end, the newfound freedom is priceless.

Corporate lawyers needed

Corporate lawyers needed

Student's Corner  ...  Lawyers

THE BIRTH OF POWERFUL AND AGGRESSIVE DOMESTIC CORPORATIONS HAVE CREATED A NEED FOR CORPORATE LAWYERS IN INDIA

ACROSS the globe, there has been a distinct rise in the number of students who take up law as a profession, making this third wing of the democratic system, one of the most sought-after careers.
   Still, the image of lawyers as people wearing black coats, hanging around musty civil courts waiting for work, prevails. In reality though, lawyers today are not only making news, they are also making more money than ever before.


WHAT IS CORPORATE LAW?


Vineet Budhiraja, who has just completed an LLM in Competition Law from the University of London, explains,"Corporate law connotes law of companies or corporations. It deals with all matters, from the birth of companies to their dissolution. Corporate law has wide scope in terms of legal practice, as it includes issues related to floatation of companies, corporate restructuring, and corporate governance, among others. Most law firms organise themselves into different practice groups or departments."
   As a corporate lawyer, you need to be commercially oriented, as well as have a good understanding of the law. Hence, understanding your clients' businesses and the industry sectors is essential.

   Prateeksha Toshniwal, a practising corporate lawyer, shares,"A corporate lawyer's client base is very varied and typically includes entrepreneurs, privately owned businesses, as well as large multinational corporations like pharmaceutical giants Glaxo-SmithKline and BP.Most corporate lawyers also act for a range of financial institutions, including high street banks and investment banks."


JOB RESPONSIBILITIES


Budhiraja explains,"The corporate department in some firms tend to include commercial law elements as well, ie, activities like drafting and negotiating commercial agreements. On the other hand, some firms may classify commercial activities as a separate department.The best way to look at it is that corporate law is a generic term that encompasses all the business activities of a corporate." However, the key responsibilities of a corporate lawyer include -

• Due diligence


• Research and writing memos


• Contract drafting and review


• Formation and housekeeping of corporate entities


• Preparing filings for state and central agencies


LAWFUL ENTRY


You can study law after class XII with any subject, and take up the integrated five-year BA LLB programme, or opt for a three-year LLB course after graduation in any subject.
   The integrated five-year law course (BA LLB) is now offered at over 50 universities in India. For a five-year course, candidates need to have completed class XII with a minimum of 55% and appear for an entrance exam conducted by the university or institute.There is an all-India entrance test for admission to the five-year degree course, which comprises a test in English, numerical aptitude, general knowledge and aptitude for legal studies.

   Some colleges are also offering a BSc LLB in place of a BA LLB which is a slightly more specialised yearlong degree programme.

Time management for retirees

With life expectancy continuing to increase, some people are spending a third of their lives or more in retirement. That’s too much time to waste. If you leave full-time employment, take your time management skills with you and leave the stress behind. This includes the following five strategies that will keep you mentally young and physically active.

1. Set personal goals, complete with deadlines and schedules. Don’t retire from achievements simply because of your chronological age. Make up for the years you may have been procrastinating. Read the books you never got around to reading. See the sights you always wanted to see. Mend broken relationships and make new ones.

2. Continue using a planning calendar and schedule time for activities and people you love. Without the structure of the workplace it’s necessary to build your own structure.

3. Schedule self-development activities. You’re never too old to learn. The more active you keep your mind, the less chance there will be of memory loss.

4. Spend time with younger people; if you don’t, your wisdom will die when you do. And surrounding yourself with younger people makes you feel younger in turn. Don’t waste your life sharing complaints, aches and pains with older people.

5. Keep exercise as a priority. Lead an active lifestyle. Exercise affects memory as well as physical condition.

If you are still active in your career, plan now to ensure your retirement years will live up to your expectations. Plan more than simply finances. The important part of retirement is how you will be spending your time. Take inventory of the parts of your current job you like and those that you don’t like and plan activities during retirement that incorporate the enjoyable parts. You will still need a sense of achievement, self-fulfillment and personal growth once you are retired. This may involve going back to school, starting your own business or doing volunteer work.

 

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