id sid tid token lemma pos crln-8474 1 1 dec10b.indd dec10b.indd PROPN crln-8474 1 2 c&rl c&rl PROPN crln-8474 1 3 news news NOUN crln-8474 1 4 december december PROPN crln-8474 1 5 2010 2010 NUM crln-8474 1 6 590 590 NUM crln-8474 1 7 as as SCONJ crln-8474 1 8 economist economist NOUN crln-8474 1 9 teresa teresa PROPN crln-8474 1 10 ghilarducci ghilarducci PROPN crln-8474 1 11 observed observe VERB crln-8474 1 12 in in ADP crln-8474 1 13 when when SCONJ crln-8474 1 14 i i PRON crln-8474 1 15 ’m ’m VERB crln-8474 1 16 sixty sixty NUM crln-8474 1 17 - - PUNCT crln-8474 1 18 four four NUM crln-8474 1 19 : : PUNCT crln-8474 1 20 the the DET crln-8474 1 21 plot plot NOUN crln-8474 1 22 against against ADP crln-8474 1 23 pensions pension NOUN crln-8474 1 24 and and CCONJ crln-8474 1 25 the the DET crln-8474 1 26 plan plan NOUN crln-8474 1 27 to to PART crln-8474 1 28 save save VERB crln-8474 1 29 them,1 them,1 PROPN crln-8474 1 30 the the DET crln-8474 1 31 united united PROPN crln-8474 1 32 states states PROPN crln-8474 1 33 has have AUX crln-8474 1 34 achieved achieve VERB crln-8474 1 35 a a DET crln-8474 1 36 great great ADJ crln-8474 1 37 deal deal NOUN crln-8474 1 38 in in ADP crln-8474 1 39 ensuring ensure VERB crln-8474 1 40 that that SCONJ crln-8474 1 41 workers worker NOUN crln-8474 1 42 are be AUX crln-8474 1 43 entitled entitle VERB crln-8474 1 44 to to ADP crln-8474 1 45 a a DET crln-8474 1 46 retirement retirement NOUN crln-8474 1 47 . . PUNCT crln-8474 2 1 however however ADV crln-8474 2 2 , , PUNCT crln-8474 2 3 the the DET crln-8474 2 4 security security NOUN crln-8474 2 5 of of ADP crln-8474 2 6 that that DET crln-8474 2 7 reward reward NOUN crln-8474 2 8 they they PRON crln-8474 2 9 have have AUX crln-8474 2 10 been be AUX crln-8474 2 11 anticipating anticipate VERB crln-8474 2 12 for for ADP crln-8474 2 13 years year NOUN crln-8474 2 14 is be AUX crln-8474 2 15 of of ADP crln-8474 2 16 growing grow VERB crln-8474 2 17 concern concern NOUN crln-8474 2 18 . . PUNCT crln-8474 3 1 a a DET crln-8474 3 2 gold gold NOUN crln-8474 3 3 watch watch NOUN crln-8474 3 4 may may AUX crln-8474 3 5 be be AUX crln-8474 3 6 an an DET crln-8474 3 7 appropriate appropriate ADJ crln-8474 3 8 gift gift NOUN crln-8474 3 9 for for ADP crln-8474 3 10 retirees retiree NOUN crln-8474 3 11 after after ADP crln-8474 3 12 years year NOUN crln-8474 3 13 spent spend VERB crln-8474 3 14 serving serve VERB crln-8474 3 15 others other NOUN crln-8474 3 16 in in ADP crln-8474 3 17 their their PRON crln-8474 3 18 chosen choose VERB crln-8474 3 19 profession profession NOUN crln-8474 3 20 , , PUNCT crln-8474 3 21 but but CCONJ crln-8474 3 22 the the DET crln-8474 3 23 dwindling dwindle VERB crln-8474 3 24 size size NOUN crln-8474 3 25 of of ADP crln-8474 3 26 the the DET crln-8474 3 27 golden golden ADJ crln-8474 3 28 nest nest NOUN crln-8474 3 29 egg egg NOUN crln-8474 3 30 of of ADP crln-8474 3 31 retirement retirement NOUN crln-8474 3 32 savings saving NOUN crln-8474 3 33 is be AUX crln-8474 3 34 making make VERB crln-8474 3 35 more more ADJ crln-8474 3 36 and and CCONJ crln-8474 3 37 more more ADJ crln-8474 3 38 americans americans PROPN crln-8474 3 39 anxious anxious ADJ crln-8474 3 40 about about ADP crln-8474 3 41 the the DET crln-8474 3 42 future future NOUN crln-8474 3 43 . . PUNCT crln-8474 4 1 according accord VERB crln-8474 4 2 to to ADP crln-8474 4 3 pensions pension NOUN crln-8474 4 4 & & CCONJ crln-8474 4 5 retirement retirement NOUN crln-8474 4 6 security security NOUN crln-8474 4 7 : : PUNCT crln-8474 4 8 a a DET crln-8474 4 9 roadmap roadmap NOUN crln-8474 4 10 for for ADP crln-8474 4 11 policymakers,2 policymakers,2 NOUN crln-8474 4 12 recent recent ADJ crln-8474 4 13 public public ADJ crln-8474 4 14 opinion opinion NOUN crln-8474 4 15 research research NOUN crln-8474 4 16 revealed reveal VERB crln-8474 4 17 that that SCONJ crln-8474 4 18 more more ADJ crln-8474 4 19 than than ADP crln-8474 4 20 eight eight NUM crln-8474 4 21 out out ADP crln-8474 4 22 of of ADP crln-8474 4 23 ten ten NUM crln-8474 4 24 americans americans PROPN crln-8474 4 25 are be AUX crln-8474 4 26 worried worried ADJ crln-8474 4 27 about about ADP crln-8474 4 28 their their PRON crln-8474 4 29 ability ability NOUN crln-8474 4 30 to to PART crln-8474 4 31 retire retire VERB crln-8474 4 32 . . PUNCT crln-8474 5 1 add add VERB crln-8474 5 2 to to ADP crln-8474 5 3 that that SCONJ crln-8474 5 4 the the DET crln-8474 5 5 fact fact NOUN crln-8474 5 6 that that SCONJ crln-8474 5 7 “ " PUNCT crln-8474 5 8 the the DET crln-8474 5 9 biggest big ADJ crln-8474 5 10 , , PUNCT crln-8474 5 11 but but CCONJ crln-8474 5 12 most most ADV crln-8474 5 13 underreported underreported ADJ crln-8474 5 14 , , PUNCT crln-8474 5 15 financial financial ADJ crln-8474 5 16 story story NOUN crln-8474 5 17 in in ADP crln-8474 5 18 america america PROPN crln-8474 5 19 is be AUX crln-8474 5 20 the the DET crln-8474 5 21 looming loom VERB crln-8474 5 22 retirement retirement NOUN crln-8474 5 23 disaster disaster NOUN crln-8474 5 24 , , PUNCT crln-8474 5 25 ” " PUNCT crln-8474 5 26 as as SCONJ crln-8474 5 27 journalist journalist PROPN crln-8474 5 28 brett brett PROPN crln-8474 5 29 arends arend NOUN crln-8474 5 30 wrote write VERB crln-8474 5 31 in in ADP crln-8474 5 32 a a DET crln-8474 5 33 wall wall PROPN crln-8474 5 34 street street PROPN crln-8474 5 35 journal journal PROPN crln-8474 5 36 article article NOUN crln-8474 5 37 , , PUNCT crln-8474 5 38 “ " PUNCT crln-8474 5 39 eighty eighty NUM crln-8474 5 40 million million NUM crln-8474 5 41 baby baby NOUN crln-8474 5 42 boomers boomer NOUN crln-8474 5 43 are be AUX crln-8474 5 44 approaching approach VERB crln-8474 5 45 retirement retirement NOUN crln-8474 5 46 , , PUNCT crln-8474 5 47 and and CCONJ crln-8474 5 48 most most ADJ crln-8474 5 49 have have VERB crln-8474 5 50 absolutely absolutely ADV crln-8474 5 51 no no DET crln-8474 5 52 idea idea NOUN crln-8474 5 53 what what PRON crln-8474 5 54 ’s ’s AUX crln-8474 5 55 going go VERB crln-8474 5 56 to to PART crln-8474 5 57 hit hit VERB crln-8474 5 58 them they PRON crln-8474 5 59 , , PUNCT crln-8474 5 60 ” " PUNCT crln-8474 5 61 arends arend NOUN crln-8474 5 62 continued continue VERB crln-8474 5 63 . . PUNCT crln-8474 6 1 “ " PUNCT crln-8474 6 2 for for ADP crln-8474 6 3 them they PRON crln-8474 6 4 the the DET crln-8474 6 5 financial financial ADJ crln-8474 6 6 crisis crisis NOUN crln-8474 6 7 is be AUX crln-8474 6 8 n’t not PART crln-8474 6 9 over over ADV crln-8474 6 10 . . PUNCT crln-8474 7 1 it it PRON crln-8474 7 2 ’s ’ VERB crln-8474 7 3 just just ADV crln-8474 7 4 about about ADV crln-8474 7 5 to to PART crln-8474 7 6 begin begin VERB crln-8474 7 7 . . PUNCT crln-8474 7 8 ”3 ”3 SPACE crln-8474 8 1 a a DET crln-8474 8 2 typical typical ADJ crln-8474 8 3 baby baby NOUN crln-8474 8 4 boomer boomer NOUN crln-8474 8 5 is be AUX crln-8474 8 6 expected expect VERB crln-8474 8 7 to to PART crln-8474 8 8 spend spend VERB crln-8474 8 9 close close ADJ crln-8474 8 10 to to PART crln-8474 8 11 25 25 NUM crln-8474 8 12 years year NOUN crln-8474 8 13 in in ADP crln-8474 8 14 retirement retirement NOUN crln-8474 8 15 , , PUNCT crln-8474 8 16 so so ADV crln-8474 8 17 industry industry NOUN crln-8474 8 18 experts expert NOUN crln-8474 8 19 suggest suggest VERB crln-8474 8 20 preparing prepare VERB crln-8474 8 21 a a DET crln-8474 8 22 road road NOUN crln-8474 8 23 map map NOUN crln-8474 8 24 for for ADP crln-8474 8 25 both both CCONJ crln-8474 8 26 a a DET crln-8474 8 27 budget budget NOUN crln-8474 8 28 and and CCONJ crln-8474 8 29 a a DET crln-8474 8 30 lifestyle lifestyle NOUN crln-8474 8 31 for for ADP crln-8474 8 32 retirement retirement NOUN crln-8474 8 33 . . PUNCT crln-8474 9 1 whether whether SCONJ crln-8474 9 2 you you PRON crln-8474 9 3 ’re ’re VERB crln-8474 9 4 part part NOUN crln-8474 9 5 of of ADP crln-8474 9 6 the the DET crln-8474 9 7 “ " PUNCT crln-8474 9 8 grey grey PROPN crln-8474 9 9 tsunami tsunami NOUN crln-8474 9 10 ” " PUNCT crln-8474 9 11 of of ADP crln-8474 9 12 soon soon ADV crln-8474 9 13 - - PUNCT crln-8474 9 14 to to ADP crln-8474 9 15 - - PUNCT crln-8474 9 16 retire retire NOUN crln-8474 9 17 boomers boomer NOUN crln-8474 9 18 , , PUNCT crln-8474 9 19 or or CCONJ crln-8474 9 20 you you PRON crln-8474 9 21 ’re ’re AUX crln-8474 9 22 working work VERB crln-8474 9 23 with with ADP crln-8474 9 24 library library NOUN crln-8474 9 25 users user NOUN crln-8474 9 26 to to PART crln-8474 9 27 identify identify VERB crln-8474 9 28 resources resource NOUN crln-8474 9 29 to to PART crln-8474 9 30 help help VERB crln-8474 9 31 them they PRON crln-8474 9 32 start start VERB crln-8474 9 33 planning plan VERB crln-8474 9 34 for for ADP crln-8474 9 35 the the DET crln-8474 9 36 next next ADJ crln-8474 9 37 chapter chapter NOUN crln-8474 9 38 of of ADP crln-8474 9 39 their their PRON crln-8474 9 40 life life NOUN crln-8474 9 41 , , PUNCT crln-8474 9 42 these these DET crln-8474 9 43 online online ADJ crln-8474 9 44 resources resource NOUN crln-8474 9 45 will will AUX crln-8474 9 46 help help VERB crln-8474 9 47 you you PRON crln-8474 9 48 locate locate VERB crln-8474 9 49 information information NOUN crln-8474 9 50 to to PART crln-8474 9 51 prepare prepare VERB crln-8474 9 52 for for ADP crln-8474 9 53 the the DET crln-8474 9 54 golden golden ADJ crln-8474 9 55 years year NOUN crln-8474 9 56 of of ADP crln-8474 9 57 retirement retirement NOUN crln-8474 9 58 . . PUNCT crln-8474 10 1 retirement retirement NOUN crln-8474 10 2 planning planning NOUN crln-8474 10 3 calculators calculator NOUN crln-8474 10 4 online online PROPN crln-8474 10 5 retirement retirement NOUN crln-8474 10 6 calculators calculator NOUN crln-8474 10 7 are be AUX crln-8474 10 8 helpful helpful ADJ crln-8474 10 9 guides guide NOUN crln-8474 10 10 in in ADP crln-8474 10 11 setting set VERB crln-8474 10 12 a a DET crln-8474 10 13 retirement retirement NOUN crln-8474 10 14 savings saving NOUN crln-8474 10 15 goal goal NOUN crln-8474 10 16 . . PUNCT crln-8474 11 1 because because SCONJ crln-8474 11 2 the the DET crln-8474 11 3 information information NOUN crln-8474 11 4 they they PRON crln-8474 11 5 require require VERB crln-8474 11 6 is be AUX crln-8474 11 7 based base VERB crln-8474 11 8 on on ADP crln-8474 11 9 many many ADJ crln-8474 11 10 unknowns unknown NOUN crln-8474 11 11 , , PUNCT crln-8474 11 12 users user NOUN crln-8474 11 13 will will AUX crln-8474 11 14 likely likely ADV crln-8474 11 15 have have VERB crln-8474 11 16 to to PART crln-8474 11 17 submit submit VERB crln-8474 11 18 guesses guess NOUN crln-8474 11 19 about about ADP crln-8474 11 20 estimates estimate NOUN crln-8474 11 21 of of ADP crln-8474 11 22 expected expect VERB crln-8474 11 23 investment investment NOUN crln-8474 11 24 returns return NOUN crln-8474 11 25 , , PUNCT crln-8474 11 26 unexpected unexpected ADJ crln-8474 11 27 expenses expense NOUN crln-8474 11 28 incurred incur VERB crln-8474 11 29 during during ADP crln-8474 11 30 retirement retirement NOUN crln-8474 11 31 , , PUNCT crln-8474 11 32 and and CCONJ crln-8474 11 33 expected expect VERB crln-8474 11 34 retirement retirement NOUN crln-8474 11 35 age age NOUN crln-8474 11 36 . . PUNCT crln-8474 12 1 financial financial ADJ crln-8474 12 2 planning planning NOUN crln-8474 12 3 can can AUX crln-8474 12 4 be be AUX crln-8474 12 5 complex complex ADJ crln-8474 12 6 , , PUNCT crln-8474 12 7 so so ADV crln-8474 12 8 use use VERB crln-8474 12 9 this this DET crln-8474 12 10 information information NOUN crln-8474 12 11 as as ADP crln-8474 12 12 a a DET crln-8474 12 13 start start NOUN crln-8474 12 14 , , PUNCT crln-8474 12 15 and and CCONJ crln-8474 12 16 then then ADV crln-8474 12 17 consult consult VERB crln-8474 12 18 a a DET crln-8474 12 19 certified certify VERB crln-8474 12 20 financial financial ADJ crln-8474 12 21 planner planner NOUN crln-8474 12 22 , , PUNCT crln-8474 12 23 accountant accountant NOUN crln-8474 12 24 , , PUNCT crln-8474 12 25 or or CCONJ crln-8474 12 26 other other ADJ crln-8474 12 27 professional professional NOUN crln-8474 12 28 . . PUNCT crln-8474 13 1 • • INTJ crln-8474 13 2 360 360 NUM crln-8474 13 3 degrees degree NOUN crln-8474 13 4 of of ADP crln-8474 13 5 financial financial ADJ crln-8474 13 6 literacy literacy NOUN crln-8474 13 7 . . PUNCT crln-8474 14 1 this this DET crln-8474 14 2 resource resource NOUN crln-8474 14 3 from from ADP crln-8474 14 4 the the DET crln-8474 14 5 american american PROPN crln-8474 14 6 institute institute PROPN crln-8474 14 7 of of ADP crln-8474 14 8 certified certify VERB crln-8474 14 9 public public ADJ crln-8474 14 10 accountants accountant NOUN crln-8474 14 11 helps help VERB crln-8474 14 12 people people NOUN crln-8474 14 13 in in ADP crln-8474 14 14 all all DET crln-8474 14 15 stages stage NOUN crln-8474 14 16 of of ADP crln-8474 14 17 life life NOUN crln-8474 14 18 understand understand VERB crln-8474 14 19 their their PRON crln-8474 14 20 personal personal ADJ crln-8474 14 21 finances finance NOUN crln-8474 14 22 and and CCONJ crln-8474 14 23 develop develop VERB crln-8474 14 24 money money NOUN crln-8474 14 25 management management NOUN crln-8474 14 26 skills skill NOUN crln-8474 14 27 . . PUNCT crln-8474 15 1 the the DET crln-8474 15 2 option option NOUN crln-8474 15 3 for for ADP crln-8474 15 4 retirees retiree NOUN crln-8474 15 5 includes include VERB crln-8474 15 6 a a DET crln-8474 15 7 retirement retirement NOUN crln-8474 15 8 planning planning NOUN crln-8474 15 9 calculator calculator NOUN crln-8474 15 10 that that PRON crln-8474 15 11 allows allow VERB crln-8474 15 12 users user NOUN crln-8474 15 13 to to PART crln-8474 15 14 view view VERB crln-8474 15 15 their their PRON crln-8474 15 16 retirement retirement NOUN crln-8474 15 17 savings saving NOUN crln-8474 15 18 balances balance NOUN crln-8474 15 19 and and CCONJ crln-8474 15 20 withdrawals withdrawal NOUN crln-8474 15 21 for for ADP crln-8474 15 22 each each DET crln-8474 15 23 year year NOUN crln-8474 15 24 until until ADP crln-8474 15 25 the the DET crln-8474 15 26 end end NOUN crln-8474 15 27 of of ADP crln-8474 15 28 their their PRON crln-8474 15 29 retirement retirement NOUN crln-8474 15 30 . . PUNCT crln-8474 16 1 additional additional ADJ crln-8474 16 2 resources resource NOUN crln-8474 16 3 include include VERB crln-8474 16 4 links link NOUN crln-8474 16 5 to to ADP crln-8474 16 6 basic basic ADJ crln-8474 16 7 retirement retirement NOUN crln-8474 16 8 planning planning NOUN crln-8474 16 9 information information NOUN crln-8474 16 10 , , PUNCT crln-8474 16 11 such such ADJ crln-8474 16 12 as as ADP crln-8474 16 13 returning return VERB crln-8474 16 14 to to ADP crln-8474 16 15 work work NOUN crln-8474 16 16 after after ADP crln-8474 16 17 retirement retirement NOUN crln-8474 16 18 , , PUNCT crln-8474 16 19 understanding understand VERB crln-8474 16 20 how how SCONJ crln-8474 16 21 taxation taxation NOUN crln-8474 16 22 can can AUX crln-8474 16 23 affect affect VERB crln-8474 16 24 your your PRON crln-8474 16 25 retirement retirement NOUN crln-8474 16 26 funds fund NOUN crln-8474 16 27 , , PUNCT crln-8474 16 28 and and CCONJ crln-8474 16 29 taking take VERB crln-8474 16 30 advantage advantage NOUN crln-8474 16 31 of of ADP crln-8474 16 32 employersponsored employersponsored ADJ crln-8474 16 33 retirement retirement NOUN crln-8474 16 34 plans plan NOUN crln-8474 16 35 . . PUNCT crln-8474 17 1 access access NOUN crln-8474 17 2 : : PUNCT crln-8474 17 3 http:// http:// PROPN crln-8474 17 4 www.360financialliteracy.org www.360financialliteracy.org PROPN crln-8474 17 5 . . PUNCT crln-8474 18 1 • • INTJ crln-8474 18 2 can can AUX crln-8474 18 3 you you PRON crln-8474 18 4 retire retire VERB crln-8474 18 5 early early ADV crln-8474 18 6 ? ? PUNCT crln-8474 19 1 this this DET crln-8474 19 2 retirement retirement NOUN crln-8474 19 3 planning planning NOUN crln-8474 19 4 calculator calculator NOUN crln-8474 19 5 from from ADP crln-8474 19 6 cnn cnn PROPN crln-8474 19 7 / / SYM crln-8474 19 8 money money NOUN crln-8474 19 9 uses use VERB crln-8474 19 10 your your PRON crln-8474 19 11 age age NOUN crln-8474 19 12 and and CCONJ crln-8474 19 13 income income NOUN crln-8474 19 14 to to PART crln-8474 19 15 assess assess VERB crln-8474 19 16 how how SCONJ crln-8474 19 17 much much ADJ crln-8474 19 18 you you PRON crln-8474 19 19 need need VERB crln-8474 19 20 to to PART crln-8474 19 21 invest invest VERB crln-8474 19 22 if if SCONJ crln-8474 19 23 you you PRON crln-8474 19 24 want want VERB crln-8474 19 25 to to PART crln-8474 19 26 retire retire VERB crln-8474 19 27 by by ADP crln-8474 19 28 the the DET crln-8474 19 29 time time NOUN crln-8474 19 30 you you PRON crln-8474 19 31 ’re ’re VERB crln-8474 19 32 60 60 NUM crln-8474 19 33 years year NOUN crln-8474 19 34 old old ADJ crln-8474 19 35 . . PUNCT crln-8474 20 1 the the DET crln-8474 20 2 site site NOUN crln-8474 20 3 also also ADV crln-8474 20 4 betsy betsy PROPN crln-8474 20 5 butler butler PROPN crln-8474 20 6 gold gold PROPN crln-8474 20 7 watch watch NOUN crln-8474 20 8 or or CCONJ crln-8474 20 9 golden golden ADJ crln-8474 20 10 nest nest NOUN crln-8474 20 11 egg egg NOUN crln-8474 20 12 ? ? PUNCT crln-8474 21 1 online online ADJ crln-8474 21 2 resources resource NOUN crln-8474 21 3 to to PART crln-8474 21 4 prepare prepare VERB crln-8474 21 5 for for ADP crln-8474 21 6 retirement retirement NOUN crln-8474 21 7 internet internet NOUN crln-8474 21 8 resources resource NOUN crln-8474 21 9 betsy betsy PROPN crln-8474 21 10 butler butler PROPN crln-8474 21 11 is be AUX crln-8474 21 12 knowledge knowledge NOUN crln-8474 21 13 issues issue NOUN crln-8474 21 14 strategist strategist NOUN crln-8474 21 15 at at ADP crln-8474 21 16 the the DET crln-8474 21 17 ohio ohio PROPN crln-8474 21 18 public public PROPN crln-8474 21 19 employees employee NOUN crln-8474 21 20 retirement retirement NOUN crln-8474 21 21 system system NOUN crln-8474 21 22 , , PUNCT crln-8474 21 23 e e NOUN crln-8474 21 24 - - NOUN crln-8474 21 25 mail mail NOUN crln-8474 21 26 : : PUNCT crln-8474 21 27 bbutler@ bbutler@ VERB crln-8474 21 28 opers.org opers.org X crln-8474 21 29 © © PROPN crln-8474 21 30 2010 2010 NUM crln-8474 21 31 betsy betsy PROPN crln-8474 21 32 butler butler PROPN crln-8474 21 33 december december PROPN crln-8474 21 34 2010 2010 NUM crln-8474 21 35 591 591 NUM crln-8474 21 36 c&rl c&rl PROPN crln-8474 21 37 news news NOUN crln-8474 21 38 determines determine VERB crln-8474 21 39 what what PRON crln-8474 21 40 you you PRON crln-8474 21 41 need need VERB crln-8474 21 42 to to PART crln-8474 21 43 save save VERB crln-8474 21 44 , , PUNCT crln-8474 21 45 how how SCONJ crln-8474 21 46 rapidly rapidly ADV crln-8474 21 47 your your PRON crln-8474 21 48 nest nest NOUN crln-8474 21 49 egg egg NOUN crln-8474 21 50 can can AUX crln-8474 21 51 grow grow VERB crln-8474 21 52 , , PUNCT crln-8474 21 53 your your PRON crln-8474 21 54 net net ADJ crln-8474 21 55 worth worth NOUN crln-8474 21 56 , , PUNCT crln-8474 21 57 and and CCONJ crln-8474 21 58 how how SCONJ crln-8474 21 59 much much ADJ crln-8474 21 60 you you PRON crln-8474 21 61 may may AUX crln-8474 21 62 need need VERB crln-8474 21 63 for for ADP crln-8474 21 64 retirement retirement NOUN crln-8474 21 65 . . PUNCT crln-8474 22 1 other other ADJ crln-8474 22 2 retirement retirement NOUN crln-8474 22 3 resources resource NOUN crln-8474 22 4 from from ADP crln-8474 22 5 cnn cnn PROPN crln-8474 22 6 / / SYM crln-8474 22 7 money money NOUN crln-8474 22 8 include include VERB crln-8474 22 9 annual annual ADJ crln-8474 22 10 “ " PUNCT crln-8474 22 11 best good ADJ crln-8474 22 12 places place NOUN crln-8474 22 13 to to PART crln-8474 22 14 live live VERB crln-8474 22 15 ” " PUNCT crln-8474 22 16 and and CCONJ crln-8474 22 17 “ " PUNCT crln-8474 22 18 best good ADJ crln-8474 22 19 places place NOUN crln-8474 22 20 to to PART crln-8474 22 21 retire retire VERB crln-8474 22 22 ” " PUNCT crln-8474 22 23 surveys survey NOUN crln-8474 22 24 , , PUNCT crln-8474 22 25 articles article NOUN crln-8474 22 26 about about ADP crln-8474 22 27 age age NOUN crln-8474 22 28 - - PUNCT crln-8474 22 29 specific specific ADJ crln-8474 22 30 retirement retirement NOUN crln-8474 22 31 plans plan NOUN crln-8474 22 32 , , PUNCT crln-8474 22 33 answers answer NOUN crln-8474 22 34 from from ADP crln-8474 22 35 industry industry NOUN crln-8474 22 36 experts expert NOUN crln-8474 22 37 , , PUNCT crln-8474 22 38 and and CCONJ crln-8474 22 39 best good ADJ crln-8474 22 40 funds fund NOUN crln-8474 22 41 in in ADP crln-8474 22 42 which which PRON crln-8474 22 43 to to PART crln-8474 22 44 invest invest VERB crln-8474 22 45 . . PUNCT crln-8474 23 1 access access NOUN crln-8474 23 2 : : PUNCT crln-8474 23 3 http://cgi.money http://cgi.money NOUN crln-8474 23 4 . . PUNCT crln-8474 24 1 cnn.com/tools/ cnn.com/tools/ NOUN crln-8474 24 2 and and CCONJ crln-8474 24 3 http://money.cnn.com http://money.cnn.com PROPN crln-8474 24 4 /retirement/. /retirement/. PUNCT crln-8474 24 5 • • INTJ crln-8474 24 6 choose choose VERB crln-8474 24 7 to to PART crln-8474 24 8 save save VERB crln-8474 24 9 . . PUNCT crln-8474 25 1 this this DET crln-8474 25 2 collection collection NOUN crln-8474 25 3 of of ADP crln-8474 25 4 links link NOUN crln-8474 25 5 to to ADP crln-8474 25 6 savings saving NOUN crln-8474 25 7 calculators calculator NOUN crln-8474 25 8 from from ADP crln-8474 25 9 the the DET crln-8474 25 10 employee employee NOUN crln-8474 25 11 benefit benefit NOUN crln-8474 25 12 research research PROPN crln-8474 25 13 institute institute PROPN crln-8474 25 14 and and CCONJ crln-8474 25 15 the the DET crln-8474 25 16 american american PROPN crln-8474 25 17 savings savings PROPN crln-8474 25 18 education education PROPN crln-8474 25 19 council council PROPN crln-8474 25 20 includes include VERB crln-8474 25 21 retirement retirement NOUN crln-8474 25 22 calculators calculator NOUN crln-8474 25 23 , , PUNCT crln-8474 25 24 retiree retiree NOUN crln-8474 25 25 health health PROPN crln-8474 25 26 , , PUNCT crln-8474 25 27 roth roth PROPN crln-8474 25 28 ira ira PROPN crln-8474 25 29 , , PUNCT crln-8474 25 30 and and CCONJ crln-8474 25 31 social social ADJ crln-8474 25 32 security security NOUN crln-8474 25 33 calculators calculator NOUN crln-8474 25 34 . . PUNCT crln-8474 26 1 it it PRON crln-8474 26 2 also also ADV crln-8474 26 3 includes include VERB crln-8474 26 4 the the DET crln-8474 26 5 “ " PUNCT crln-8474 26 6 ballpark ballpark NOUN crln-8474 26 7 e$timate e$timate NOUN crln-8474 26 8 , , PUNCT crln-8474 26 9 ” " PUNCT crln-8474 26 10 an an DET crln-8474 26 11 easy easy ADJ crln-8474 26 12 - - PUNCT crln-8474 26 13 to to PART crln-8474 26 14 - - PUNCT crln-8474 26 15 understand understand VERB crln-8474 26 16 two two NUM crln-8474 26 17 - - PUNCT crln-8474 26 18 page page NOUN crln-8474 26 19 worksheet worksheet NOUN crln-8474 26 20 that that PRON crln-8474 26 21 facilitates facilitate VERB crln-8474 26 22 discovery discovery NOUN crln-8474 26 23 of of ADP crln-8474 26 24 how how SCONJ crln-8474 26 25 much much ADJ crln-8474 26 26 a a DET crln-8474 26 27 future future ADJ crln-8474 26 28 retiree retiree NOUN crln-8474 26 29 needs need NOUN crln-8474 26 30 to to PART crln-8474 26 31 save save VERB crln-8474 26 32 to to PART crln-8474 26 33 fund fund VERB crln-8474 26 34 a a DET crln-8474 26 35 comfortable comfortable ADJ crln-8474 26 36 , , PUNCT crln-8474 26 37 secure secure ADJ crln-8474 26 38 retirement retirement NOUN crln-8474 26 39 . . PUNCT crln-8474 27 1 access access NOUN crln-8474 27 2 : : PUNCT crln-8474 27 3 http://www http://www PROPN crln-8474 27 4 . . PUNCT crln-8474 28 1 choosetosave.org/calculators/. choosetosave.org/calculators/. NOUN crln-8474 28 2 retirement retirement NOUN crln-8474 28 3 - - PUNCT crln-8474 28 4 related relate VERB crln-8474 28 5 organizations organization NOUN crln-8474 28 6 • • VERB crln-8474 28 7 aarp aarp NOUN crln-8474 28 8 . . PUNCT crln-8474 29 1 as as ADP crln-8474 29 2 the the DET crln-8474 29 3 nation nation NOUN crln-8474 29 4 ’s ’s PART crln-8474 29 5 largest large ADJ crln-8474 29 6 membership membership NOUN crln-8474 29 7 organization organization NOUN crln-8474 29 8 for for ADP crln-8474 29 9 those those PRON crln-8474 29 10 over over ADP crln-8474 29 11 50 50 NUM crln-8474 29 12 , , PUNCT crln-8474 29 13 this this DET crln-8474 29 14 social social ADJ crln-8474 29 15 welfare welfare NOUN crln-8474 29 16 organization organization NOUN crln-8474 29 17 helps help VERB crln-8474 29 18 people people NOUN crln-8474 29 19 improve improve VERB crln-8474 29 20 the the DET crln-8474 29 21 quality quality NOUN crln-8474 29 22 of of ADP crln-8474 29 23 their their PRON crln-8474 29 24 lives life NOUN crln-8474 29 25 . . PUNCT crln-8474 30 1 its its PRON crln-8474 30 2 research research NOUN crln-8474 30 3 center center NOUN crln-8474 30 4 offers offer VERB crln-8474 30 5 surveys survey NOUN crln-8474 30 6 and and CCONJ crln-8474 30 7 statistics statistic NOUN crln-8474 30 8 about about ADP crln-8474 30 9 issues issue NOUN crln-8474 30 10 such such ADJ crln-8474 30 11 as as ADP crln-8474 30 12 social social ADJ crln-8474 30 13 security security NOUN crln-8474 30 14 , , PUNCT crln-8474 30 15 medicare medicare NOUN crln-8474 30 16 , , PUNCT crln-8474 30 17 prescription prescription NOUN crln-8474 30 18 drugs drug NOUN crln-8474 30 19 , , PUNCT crln-8474 30 20 health health NOUN crln-8474 30 21 care care NOUN crln-8474 30 22 reform reform NOUN crln-8474 30 23 , , PUNCT crln-8474 30 24 and and CCONJ crln-8474 30 25 economic economic ADJ crln-8474 30 26 security security NOUN crln-8474 30 27 . . PUNCT crln-8474 31 1 its its PRON crln-8474 31 2 sections section NOUN crln-8474 31 3 on on ADP crln-8474 31 4 retirement retirement NOUN crln-8474 31 5 planning planning NOUN crln-8474 31 6 , , PUNCT crln-8474 31 7 social social ADJ crln-8474 31 8 security security NOUN crln-8474 31 9 information information NOUN crln-8474 31 10 , , PUNCT crln-8474 31 11 retirement retirement NOUN crln-8474 31 12 savings saving NOUN crln-8474 31 13 tips tip NOUN crln-8474 31 14 , , PUNCT crln-8474 31 15 tools tool NOUN crln-8474 31 16 to to PART crln-8474 31 17 calculate calculate VERB crln-8474 31 18 retirement retirement NOUN crln-8474 31 19 nest nest NOUN crln-8474 31 20 eggs egg NOUN crln-8474 31 21 , , PUNCT crln-8474 31 22 pension pension NOUN crln-8474 31 23 plan plan NOUN crln-8474 31 24 options option NOUN crln-8474 31 25 , , PUNCT crln-8474 31 26 and and CCONJ crln-8474 31 27 401(k 401(k PROPN crln-8474 31 28 ) ) PUNCT crln-8474 31 29 savings saving NOUN crln-8474 31 30 can can AUX crln-8474 31 31 facilitate facilitate VERB crln-8474 31 32 decisionmaking decisionmake VERB crln-8474 31 33 for for ADP crln-8474 31 34 future future ADJ crln-8474 31 35 retirees retiree NOUN crln-8474 31 36 . . PUNCT crln-8474 32 1 access access NOUN crln-8474 32 2 : : PUNCT crln-8474 32 3 http://www.aarp.org/. http://www.aarp.org/. PROPN crln-8474 32 4 • • PROPN crln-8474 32 5 center center NOUN crln-8474 32 6 for for ADP crln-8474 32 7 retirement retirement NOUN crln-8474 32 8 research research NOUN crln-8474 32 9 . . PUNCT crln-8474 33 1 this this DET crln-8474 33 2 boston boston PROPN crln-8474 33 3 college college PROPN crln-8474 33 4 - - PUNCT crln-8474 33 5 based base VERB crln-8474 33 6 center center NOUN crln-8474 33 7 shares share NOUN crln-8474 33 8 research research NOUN crln-8474 33 9 findings finding NOUN crln-8474 33 10 on on ADP crln-8474 33 11 issues issue NOUN crln-8474 33 12 pertinent pertinent ADJ crln-8474 33 13 to to ADP crln-8474 33 14 retirement retirement NOUN crln-8474 33 15 income income NOUN crln-8474 33 16 , , PUNCT crln-8474 33 17 such such ADJ crln-8474 33 18 as as ADP crln-8474 33 19 social social ADJ crln-8474 33 20 security security NOUN crln-8474 33 21 , , PUNCT crln-8474 33 22 employersponsored employersponsored ADJ crln-8474 33 23 pension pension NOUN crln-8474 33 24 plans plan NOUN crln-8474 33 25 , , PUNCT crln-8474 33 26 household household NOUN crln-8474 33 27 saving saving NOUN crln-8474 33 28 , , PUNCT crln-8474 33 29 and and CCONJ crln-8474 33 30 trends trend NOUN crln-8474 33 31 in in ADP crln-8474 33 32 employment employment NOUN crln-8474 33 33 of of ADP crln-8474 33 34 older old ADJ crln-8474 33 35 workers worker NOUN crln-8474 33 36 . . PUNCT crln-8474 34 1 briefs brief NOUN crln-8474 34 2 , , PUNCT crln-8474 34 3 working work VERB crln-8474 34 4 papers paper NOUN crln-8474 34 5 , , PUNCT crln-8474 34 6 and and CCONJ crln-8474 34 7 reports report NOUN crln-8474 34 8 on on ADP crln-8474 34 9 special special ADJ crln-8474 34 10 projects project NOUN crln-8474 34 11 provide provide VERB crln-8474 34 12 valuable valuable ADJ crln-8474 34 13 insight insight NOUN crln-8474 34 14 into into ADP crln-8474 34 15 these these DET crln-8474 34 16 topics topic NOUN crln-8474 34 17 . . PUNCT crln-8474 35 1 information information NOUN crln-8474 35 2 about about ADP crln-8474 35 3 the the DET crln-8474 35 4 center center NOUN crln-8474 35 5 ’s ’s PART crln-8474 35 6 annual annual ADJ crln-8474 35 7 retirement retirement NOUN crln-8474 35 8 research research PROPN crln-8474 35 9 consortium consortium NOUN crln-8474 35 10 conference conference NOUN crln-8474 35 11 is be AUX crln-8474 35 12 also also ADV crln-8474 35 13 available available ADJ crln-8474 35 14 here here ADV crln-8474 35 15 . . PUNCT crln-8474 36 1 access access NOUN crln-8474 36 2 : : PUNCT crln-8474 36 3 http://crr http://crr PROPN crln-8474 36 4 . . PUNCT crln-8474 37 1 bc.edu/. bc.edu/. ADJ crln-8474 37 2 • • PROPN crln-8474 37 3 national national PROPN crln-8474 37 4 council council PROPN crln-8474 37 5 on on ADP crln-8474 37 6 aging age VERB crln-8474 37 7 . . PUNCT crln-8474 38 1 this this DET crln-8474 38 2 advocacy advocacy NOUN crln-8474 38 3 organization organization NOUN crln-8474 38 4 works work VERB crln-8474 38 5 to to PART crln-8474 38 6 improve improve VERB crln-8474 38 7 the the DET crln-8474 38 8 lives life NOUN crln-8474 38 9 of of ADP crln-8474 38 10 older old ADJ crln-8474 38 11 americans americans PROPN crln-8474 38 12 . . PUNCT crln-8474 39 1 its its PRON crln-8474 39 2 web web NOUN crln-8474 39 3 site site NOUN crln-8474 39 4 offers offer VERB crln-8474 39 5 information information NOUN crln-8474 39 6 on on ADP crln-8474 39 7 ways way NOUN crln-8474 39 8 to to PART crln-8474 39 9 improve improve VERB crln-8474 39 10 their their PRON crln-8474 39 11 health health NOUN crln-8474 39 12 , , PUNCT crln-8474 39 13 enhance enhance VERB crln-8474 39 14 their their PRON crln-8474 39 15 economic economic ADJ crln-8474 39 16 security security NOUN crln-8474 39 17 , , PUNCT crln-8474 39 18 and and CCONJ crln-8474 39 19 promote promote VERB crln-8474 39 20 their their PRON crln-8474 39 21 independence independence NOUN crln-8474 39 22 . . PUNCT crln-8474 40 1 it it PRON crln-8474 40 2 also also ADV crln-8474 40 3 helps help VERB crln-8474 40 4 americans americans PROPN crln-8474 40 5 build build VERB crln-8474 40 6 a a DET crln-8474 40 7 secure secure ADJ crln-8474 40 8 retirement retirement NOUN crln-8474 40 9 by by ADP crln-8474 40 10 linking link VERB crln-8474 40 11 to to ADP crln-8474 40 12 resources resource NOUN crln-8474 40 13 that that SCONJ crln-8474 40 14 not not PART crln-8474 40 15 only only ADV crln-8474 40 16 facilitate facilitate VERB crln-8474 40 17 understanding understanding NOUN crln-8474 40 18 of of ADP crln-8474 40 19 medicare medicare NOUN crln-8474 40 20 and and CCONJ crln-8474 40 21 other other ADJ crln-8474 40 22 benefits benefit NOUN crln-8474 40 23 , , PUNCT crln-8474 40 24 training training NOUN crln-8474 40 25 and and CCONJ crln-8474 40 26 employment employment NOUN crln-8474 40 27 opportunities opportunity NOUN crln-8474 40 28 for for ADP crln-8474 40 29 workers worker NOUN crln-8474 40 30 over over ADP crln-8474 40 31 age age NOUN crln-8474 40 32 55 55 NUM crln-8474 40 33 , , PUNCT crln-8474 40 34 but but CCONJ crln-8474 40 35 also also ADV crln-8474 40 36 obtain obtain VERB crln-8474 40 37 assistance assistance NOUN crln-8474 40 38 in in ADP crln-8474 40 39 regaining regain VERB crln-8474 40 40 their their PRON crln-8474 40 41 economic economic ADJ crln-8474 40 42 footing footing NOUN crln-8474 40 43 . . PUNCT crln-8474 41 1 access access NOUN crln-8474 41 2 : : PUNCT crln-8474 41 3 http:// http:// PROPN crln-8474 41 4 www.ncoa.org/. www.ncoa.org/. PROPN crln-8474 41 5 • • PROPN crln-8474 41 6 national national PROPN crln-8474 41 7 institute institute PROPN crln-8474 41 8 on on ADP crln-8474 41 9 retirement retirement PROPN crln-8474 41 10 security security PROPN crln-8474 41 11 ( ( PUNCT crln-8474 41 12 nirs nir NOUN crln-8474 41 13 ) ) PUNCT crln-8474 41 14 . . PUNCT crln-8474 42 1 this this DET crln-8474 42 2 organization organization NOUN crln-8474 42 3 conducts conduct VERB crln-8474 42 4 research research NOUN crln-8474 42 5 and and CCONJ crln-8474 42 6 educational educational ADJ crln-8474 42 7 programs program NOUN crln-8474 42 8 about about ADP crln-8474 42 9 the the DET crln-8474 42 10 value value NOUN crln-8474 42 11 of of ADP crln-8474 42 12 retirement retirement NOUN crln-8474 42 13 security security NOUN crln-8474 42 14 to to ADP crln-8474 42 15 employees employee NOUN crln-8474 42 16 , , PUNCT crln-8474 42 17 employers employer NOUN crln-8474 42 18 , , PUNCT crln-8474 42 19 and and CCONJ crln-8474 42 20 policymakers policymaker NOUN crln-8474 42 21 . . PUNCT crln-8474 43 1 research research NOUN crln-8474 43 2 reports report NOUN crln-8474 43 3 and and CCONJ crln-8474 43 4 briefs brief NOUN crln-8474 43 5 focus focus VERB crln-8474 43 6 on on ADP crln-8474 43 7 the the DET crln-8474 43 8 role role NOUN crln-8474 43 9 and and CCONJ crln-8474 43 10 value value NOUN crln-8474 43 11 of of ADP crln-8474 43 12 defined define VERB crln-8474 43 13 benefit benefit NOUN crln-8474 43 14 pension pension NOUN crln-8474 43 15 plans plan NOUN crln-8474 43 16 , , PUNCT crln-8474 43 17 strategies strategy NOUN crln-8474 43 18 to to PART crln-8474 43 19 broaden broaden VERB crln-8474 43 20 pension pension NOUN crln-8474 43 21 coverage coverage NOUN crln-8474 43 22 , , PUNCT crln-8474 43 23 and and CCONJ crln-8474 43 24 ways way NOUN crln-8474 43 25 to to PART crln-8474 43 26 improve improve VERB crln-8474 43 27 retirement retirement NOUN crln-8474 43 28 security security NOUN crln-8474 43 29 . . PUNCT crln-8474 44 1 examples example NOUN crln-8474 44 2 include include VERB crln-8474 44 3 the the DET crln-8474 44 4 impact impact NOUN crln-8474 44 5 of of ADP crln-8474 44 6 pensions pension NOUN crln-8474 44 7 on on ADP crln-8474 44 8 poverty poverty NOUN crln-8474 44 9 in in ADP crln-8474 44 10 older old ADJ crln-8474 44 11 households household NOUN crln-8474 44 12 , , PUNCT crln-8474 44 13 the the DET crln-8474 44 14 economic economic ADJ crln-8474 44 15 footprint footprint NOUN crln-8474 44 16 of of ADP crln-8474 44 17 pension pension NOUN crln-8474 44 18 benefit benefit NOUN crln-8474 44 19 expenditures expenditure NOUN crln-8474 44 20 by by ADP crln-8474 44 21 retirees retiree NOUN crln-8474 44 22 , , PUNCT crln-8474 44 23 and and CCONJ crln-8474 44 24 how how SCONJ crln-8474 44 25 pensions pension NOUN crln-8474 44 26 impact impact NOUN crln-8474 44 27 retirement retirement NOUN crln-8474 44 28 readiness readiness NOUN crln-8474 44 29 . . PUNCT crln-8474 45 1 downloadable downloadable ADJ crln-8474 45 2 state state NOUN crln-8474 45 3 fact fact NOUN crln-8474 45 4 sheets sheet NOUN crln-8474 45 5 , , PUNCT crln-8474 45 6 powerpoints powerpoint NOUN crln-8474 45 7 , , PUNCT crln-8474 45 8 and and CCONJ crln-8474 45 9 frequently frequently ADV crln-8474 45 10 asked ask VERB crln-8474 45 11 questions question NOUN crln-8474 45 12 are be AUX crln-8474 45 13 particularly particularly ADV crln-8474 45 14 helpful helpful ADJ crln-8474 45 15 for for ADP crln-8474 45 16 succinct succinct ADJ crln-8474 45 17 summaries summary NOUN crln-8474 45 18 of of ADP crln-8474 45 19 information information NOUN crln-8474 45 20 , , PUNCT crln-8474 45 21 while while SCONJ crln-8474 45 22 its its PRON crln-8474 45 23 pension pension NOUN crln-8474 45 24 primer primer NOUN crln-8474 45 25 and and CCONJ crln-8474 45 26 pension pension NOUN crln-8474 45 27 education education NOUN crln-8474 45 28 toolkit toolkit NOUN crln-8474 45 29 are be AUX crln-8474 45 30 especially especially ADV crln-8474 45 31 good good ADJ crln-8474 45 32 introductions introduction NOUN crln-8474 45 33 to to ADP crln-8474 45 34 key key ADJ crln-8474 45 35 facts fact NOUN crln-8474 45 36 about about ADP crln-8474 45 37 pensions pension NOUN crln-8474 45 38 . . PUNCT crln-8474 46 1 the the DET crln-8474 46 2 nirs nirs PROPN crln-8474 46 3 data data PROPN crln-8474 46 4 zone zone NOUN crln-8474 46 5 provides provide VERB crln-8474 46 6 timely timely ADJ crln-8474 46 7 , , PUNCT crln-8474 46 8 concise concise ADJ crln-8474 46 9 insight insight NOUN crln-8474 46 10 into into ADP crln-8474 46 11 and and CCONJ crln-8474 46 12 analysis analysis NOUN crln-8474 46 13 of of ADP crln-8474 46 14 retirement retirement NOUN crln-8474 46 15 data datum NOUN crln-8474 46 16 , , PUNCT crln-8474 46 17 while while SCONJ crln-8474 46 18 presentations presentation NOUN crln-8474 46 19 from from ADP crln-8474 46 20 its its PRON crln-8474 46 21 annual annual ADJ crln-8474 46 22 retirement retirement NOUN crln-8474 46 23 policy policy NOUN crln-8474 46 24 conference conference NOUN crln-8474 46 25 offer offer VERB crln-8474 46 26 the the DET crln-8474 46 27 latest late ADJ crln-8474 46 28 thoughts thought NOUN crln-8474 46 29 on on ADP crln-8474 46 30 the the DET crln-8474 46 31 issue issue NOUN crln-8474 46 32 . . PUNCT crln-8474 47 1 access access NOUN crln-8474 47 2 : : PUNCT crln-8474 47 3 http://www.nirsonline.org http://www.nirsonline.org PROPN crln-8474 47 4 /index.php /index.php PROPN crln-8474 47 5 . . PUNCT crln-8474 48 1 • • VERB crln-8474 48 2 pension pension NOUN crln-8474 48 3 rights right NOUN crln-8474 48 4 center center NOUN crln-8474 48 5 . . PUNCT crln-8474 49 1 this this DET crln-8474 49 2 consumer consumer NOUN crln-8474 49 3 organization organization NOUN crln-8474 49 4 protects protect VERB crln-8474 49 5 and and CCONJ crln-8474 49 6 promotes promote VERB crln-8474 49 7 the the DET crln-8474 49 8 earned earn VERB crln-8474 49 9 retirement retirement NOUN crln-8474 49 10 benefits benefit NOUN crln-8474 49 11 of of ADP crln-8474 49 12 american american ADJ crln-8474 49 13 workers worker NOUN crln-8474 49 14 and and CCONJ crln-8474 49 15 retirees retiree NOUN crln-8474 49 16 by by ADP crln-8474 49 17 explaining explain VERB crln-8474 49 18 pension pension NOUN crln-8474 49 19 polic&rl polic&rl PROPN crln-8474 49 20 news news NOUN crln-8474 49 21 december december PROPN crln-8474 49 22 2010 2010 NUM crln-8474 49 23 592 592 NUM crln-8474 49 24 cies cie NOUN crln-8474 49 25 , , PUNCT crln-8474 49 26 identifying identify VERB crln-8474 49 27 shortcomings shortcoming NOUN crln-8474 49 28 , , PUNCT crln-8474 49 29 and and CCONJ crln-8474 49 30 proposing propose VERB crln-8474 49 31 reforms reform NOUN crln-8474 49 32 to to ADP crln-8474 49 33 retirement retirement NOUN crln-8474 49 34 programs program NOUN crln-8474 49 35 . . PUNCT crln-8474 50 1 its its PRON crln-8474 50 2 “ " PUNCT crln-8474 50 3 pensions pension NOUN crln-8474 50 4 in in ADP crln-8474 50 5 the the DET crln-8474 50 6 news news NOUN crln-8474 50 7 ” " PUNCT crln-8474 50 8 page page NOUN crln-8474 50 9 is be AUX crln-8474 50 10 particularly particularly ADV crln-8474 50 11 helpful helpful ADJ crln-8474 50 12 . . PUNCT crln-8474 51 1 access access NOUN crln-8474 51 2 : : PUNCT crln-8474 51 3 http://www.pensionrights.org/. http://www.pensionrights.org/. ADP crln-8474 51 4 • • X crln-8474 51 5 social social ADJ crln-8474 51 6 security security PROPN crln-8474 51 7 administration administration NOUN crln-8474 51 8 . . PUNCT crln-8474 52 1 go go VERB crln-8474 52 2 to to ADP crln-8474 52 3 this this DET crln-8474 52 4 web web NOUN crln-8474 52 5 site site NOUN crln-8474 52 6 to to PART crln-8474 52 7 learn learn VERB crln-8474 52 8 more more ADJ crln-8474 52 9 about about ADP crln-8474 52 10 social social ADJ crln-8474 52 11 security security NOUN crln-8474 52 12 benefits benefit NOUN crln-8474 52 13 . . PUNCT crln-8474 53 1 here here ADV crln-8474 53 2 , , PUNCT crln-8474 53 3 you you PRON crln-8474 53 4 can can AUX crln-8474 53 5 check check VERB crln-8474 53 6 the the DET crln-8474 53 7 status status NOUN crln-8474 53 8 of of ADP crln-8474 53 9 your your PRON crln-8474 53 10 application application NOUN crln-8474 53 11 , , PUNCT crln-8474 53 12 estimate estimate VERB crln-8474 53 13 your your PRON crln-8474 53 14 retirement retirement NOUN crln-8474 53 15 benefits benefit NOUN crln-8474 53 16 , , PUNCT crln-8474 53 17 access access VERB crln-8474 53 18 your your PRON crln-8474 53 19 social social ADJ crln-8474 53 20 security security NOUN crln-8474 53 21 earnings earning NOUN crln-8474 53 22 statement statement NOUN crln-8474 53 23 , , PUNCT crln-8474 53 24 find find VERB crln-8474 53 25 a a DET crln-8474 53 26 local local ADJ crln-8474 53 27 social social ADJ crln-8474 53 28 security security NOUN crln-8474 53 29 office office NOUN crln-8474 53 30 , , PUNCT crln-8474 53 31 and and CCONJ crln-8474 53 32 learn learn VERB crln-8474 53 33 more more ADJ crln-8474 53 34 about about ADP crln-8474 53 35 social social ADJ crln-8474 53 36 security security NOUN crln-8474 53 37 ’s ’s NOUN crln-8474 53 38 budget budget NOUN crln-8474 53 39 and and CCONJ crln-8474 53 40 performance performance NOUN crln-8474 53 41 . . PUNCT crln-8474 54 1 access access NOUN crln-8474 54 2 : : PUNCT crln-8474 54 3 http://www.ssa.gov/. http://www.ssa.gov/. PROPN crln-8474 54 4 • • NUM crln-8474 54 5 women woman NOUN crln-8474 54 6 ’s ’s PROPN crln-8474 54 7 institute institute PROPN crln-8474 54 8 for for ADP crln-8474 54 9 a a DET crln-8474 54 10 secure secure ADJ crln-8474 54 11 retirement retirement NOUN crln-8474 54 12 ( ( PUNCT crln-8474 54 13 wiser wiser ADV crln-8474 54 14 ) ) PUNCT crln-8474 54 15 . . PUNCT crln-8474 55 1 focusing focus VERB crln-8474 55 2 on on ADP crln-8474 55 3 the the DET crln-8474 55 4 unique unique ADJ crln-8474 55 5 financial financial ADJ crln-8474 55 6 challenges challenge NOUN crln-8474 55 7 faced face VERB crln-8474 55 8 by by ADP crln-8474 55 9 women woman NOUN crln-8474 55 10 , , PUNCT crln-8474 55 11 wiser wise ADJ crln-8474 55 12 provides provide VERB crln-8474 55 13 research research NOUN crln-8474 55 14 and and CCONJ crln-8474 55 15 education education NOUN crln-8474 55 16 designed design VERB crln-8474 55 17 to to PART crln-8474 55 18 help help VERB crln-8474 55 19 women woman NOUN crln-8474 55 20 secure secure VERB crln-8474 55 21 adequate adequate ADJ crln-8474 55 22 retirement retirement NOUN crln-8474 55 23 income income NOUN crln-8474 55 24 . . PUNCT crln-8474 56 1 the the DET crln-8474 56 2 site site NOUN crln-8474 56 3 provides provide VERB crln-8474 56 4 checklists checklist NOUN crln-8474 56 5 , , PUNCT crln-8474 56 6 an an DET crln-8474 56 7 investment investment NOUN crln-8474 56 8 calculator calculator NOUN crln-8474 56 9 worksheet worksheet NOUN crln-8474 56 10 , , PUNCT crln-8474 56 11 fact fact NOUN crln-8474 56 12 sheets sheet NOUN crln-8474 56 13 , , PUNCT crln-8474 56 14 and and CCONJ crln-8474 56 15 other other ADJ crln-8474 56 16 informative informative ADJ crln-8474 56 17 offerings offering NOUN crln-8474 56 18 about about ADP crln-8474 56 19 social social ADJ crln-8474 56 20 security security NOUN crln-8474 56 21 , , PUNCT crln-8474 56 22 pay pay VERB crln-8474 56 23 equity equity NOUN crln-8474 56 24 , , PUNCT crln-8474 56 25 pensions pension NOUN crln-8474 56 26 , , PUNCT crln-8474 56 27 savings saving NOUN crln-8474 56 28 and and CCONJ crln-8474 56 29 investments investment NOUN crln-8474 56 30 , , PUNCT crln-8474 56 31 and and CCONJ crln-8474 56 32 disability disability NOUN crln-8474 56 33 insurance insurance NOUN crln-8474 56 34 , , PUNCT crln-8474 56 35 among among ADP crln-8474 56 36 other other ADJ crln-8474 56 37 topics topic NOUN crln-8474 56 38 . . PUNCT crln-8474 57 1 it it PRON crln-8474 57 2 also also ADV crln-8474 57 3 offers offer VERB crln-8474 57 4 informative informative ADJ crln-8474 57 5 webinars webinar NOUN crln-8474 57 6 and and CCONJ crln-8474 57 7 workshops workshop NOUN crln-8474 57 8 about about ADP crln-8474 57 9 social social ADJ crln-8474 57 10 security security NOUN crln-8474 57 11 , , PUNCT crln-8474 57 12 pensions pension NOUN crln-8474 57 13 , , PUNCT crln-8474 57 14 savings saving NOUN crln-8474 57 15 , , PUNCT crln-8474 57 16 and and CCONJ crln-8474 57 17 other other ADJ crln-8474 57 18 strategies strategy NOUN crln-8474 57 19 designed design VERB crln-8474 57 20 to to PART crln-8474 57 21 help help VERB crln-8474 57 22 women woman NOUN crln-8474 57 23 achieve achieve VERB crln-8474 57 24 long long ADJ crln-8474 57 25 - - PUNCT crln-8474 57 26 term term NOUN crln-8474 57 27 financial financial ADJ crln-8474 57 28 security security NOUN crln-8474 57 29 . . PUNCT crln-8474 58 1 wiser wise ADJ crln-8474 58 2 ’s ’s PART crln-8474 58 3 “ " PUNCT crln-8474 58 4 financial financial ADJ crln-8474 58 5 planning planning NOUN crln-8474 58 6 workbook workbook NOUN crln-8474 58 7 and and CCONJ crln-8474 58 8 nurses nurse VERB crln-8474 58 9 retirement retirement NOUN crln-8474 58 10 decision decision NOUN crln-8474 58 11 - - PUNCT crln-8474 58 12 making make VERB crln-8474 58 13 guide guide NOUN crln-8474 58 14 ” " PUNCT crln-8474 58 15 — — PUNCT crln-8474 58 16 both both PRON crln-8474 58 17 available available ADJ crln-8474 58 18 online online NOUN crln-8474 58 19 — — PUNCT crln-8474 58 20 are be AUX crln-8474 58 21 especially especially ADV crln-8474 58 22 useful useful ADJ crln-8474 58 23 . . PUNCT crln-8474 59 1 access access NOUN crln-8474 59 2 : : PUNCT crln-8474 59 3 http://www.wiserwomen.org/. http://www.wiserwomen.org/. PROPN crln-8474 59 4 other other ADJ crln-8474 59 5 resources resource NOUN crln-8474 59 6 • • VERB crln-8474 59 7 “ " PUNCT crln-8474 59 8 can can AUX crln-8474 59 9 you you PRON crln-8474 59 10 afford afford VERB crln-8474 59 11 to to PART crln-8474 59 12 retire retire VERB crln-8474 59 13 ? ? PUNCT crln-8474 59 14 ” " PUNCT crln-8474 60 1 this this DET crln-8474 60 2 web web NOUN crln-8474 60 3 site site NOUN crln-8474 60 4 is be AUX crln-8474 60 5 a a DET crln-8474 60 6 companion companion NOUN crln-8474 60 7 resource resource NOUN crln-8474 60 8 to to ADP crln-8474 60 9 a a DET crln-8474 60 10 2006 2006 NUM crln-8474 60 11 public public ADJ crln-8474 60 12 broadcasting broadcasting NOUN crln-8474 60 13 service service NOUN crln-8474 60 14 frontline frontline NOUN crln-8474 60 15 program program NOUN crln-8474 60 16 that that PRON crln-8474 60 17 examined examine VERB crln-8474 60 18 the the DET crln-8474 60 19 impending impending ADJ crln-8474 60 20 financial financial ADJ crln-8474 60 21 crisis crisis NOUN crln-8474 60 22 that that PRON crln-8474 60 23 baby baby NOUN crln-8474 60 24 boomers boomer NOUN crln-8474 60 25 face face VERB crln-8474 60 26 in in ADP crln-8474 60 27 retirement retirement NOUN crln-8474 60 28 and and CCONJ crln-8474 60 29 current current ADJ crln-8474 60 30 retirement retirement NOUN crln-8474 60 31 savings saving NOUN crln-8474 60 32 issues issue NOUN crln-8474 60 33 . . PUNCT crln-8474 61 1 the the DET crln-8474 61 2 site site NOUN crln-8474 61 3 provides provide VERB crln-8474 61 4 frequently frequently ADV crln-8474 61 5 asked ask VERB crln-8474 61 6 questions question NOUN crln-8474 61 7 about about ADP crln-8474 61 8 retirement retirement NOUN crln-8474 61 9 plans plan NOUN crln-8474 61 10 , , PUNCT crln-8474 61 11 interviews interview NOUN crln-8474 61 12 with with ADP crln-8474 61 13 retirement retirement NOUN crln-8474 61 14 experts expert NOUN crln-8474 61 15 , , PUNCT crln-8474 61 16 retirement retirement NOUN crln-8474 61 17 stories story NOUN crln-8474 61 18 , , PUNCT crln-8474 61 19 a a DET crln-8474 61 20 teacher teacher NOUN crln-8474 61 21 ’s ’s NOUN crln-8474 61 22 guide guide NOUN crln-8474 61 23 , , PUNCT crln-8474 61 24 and and CCONJ crln-8474 61 25 recommendations recommendation NOUN crln-8474 61 26 for for ADP crln-8474 61 27 further further ADJ crln-8474 61 28 reading reading NOUN crln-8474 61 29 . . PUNCT crln-8474 62 1 it it PRON crln-8474 62 2 also also ADV crln-8474 62 3 includes include VERB crln-8474 62 4 a a DET crln-8474 62 5 complete complete ADJ crln-8474 62 6 video video NOUN crln-8474 62 7 of of ADP crln-8474 62 8 the the DET crln-8474 62 9 program program NOUN crln-8474 62 10 . . PUNCT crln-8474 63 1 access access NOUN crln-8474 63 2 : : PUNCT crln-8474 63 3 http://www.pbs.org/wgbh/pages http://www.pbs.org/wgbh/page NOUN crln-8474 63 4 /frontline /frontline PROPN crln-8474 63 5 / / SYM crln-8474 63 6 retirement/. retirement/. NOUN crln-8474 63 7 • • VERB crln-8474 63 8 my my PRON crln-8474 63 9 retirement retirement NOUN crln-8474 63 10 paycheck paycheck NOUN crln-8474 63 11 . . PUNCT crln-8474 64 1 this this DET crln-8474 64 2 web web NOUN crln-8474 64 3 site site NOUN crln-8474 64 4 from from ADP crln-8474 64 5 the the DET crln-8474 64 6 national national ADJ crln-8474 64 7 endowment endowment NOUN crln-8474 64 8 for for ADP crln-8474 64 9 financial financial ADJ crln-8474 64 10 education education NOUN crln-8474 64 11 provides provide VERB crln-8474 64 12 suggestions suggestion NOUN crln-8474 64 13 for for ADP crln-8474 64 14 good good ADJ crln-8474 64 15 decision decision NOUN crln-8474 64 16 - - PUNCT crln-8474 64 17 making making NOUN crln-8474 64 18 for for ADP crln-8474 64 19 retirement retirement NOUN crln-8474 64 20 security security NOUN crln-8474 64 21 , , PUNCT crln-8474 64 22 such such ADJ crln-8474 64 23 as as ADP crln-8474 64 24 how how SCONJ crln-8474 64 25 long long ADJ crln-8474 64 26 to to PART crln-8474 64 27 continue continue VERB crln-8474 64 28 working work VERB crln-8474 64 29 , , PUNCT crln-8474 64 30 when when SCONJ crln-8474 64 31 to to PART crln-8474 64 32 start start VERB crln-8474 64 33 collecting collect VERB crln-8474 64 34 social social ADJ crln-8474 64 35 security security NOUN crln-8474 64 36 , , PUNCT crln-8474 64 37 considering consider VERB crln-8474 64 38 the the DET crln-8474 64 39 value value NOUN crln-8474 64 40 of of ADP crln-8474 64 41 your your PRON crln-8474 64 42 home home NOUN crln-8474 64 43 , , PUNCT crln-8474 64 44 managing manage VERB crln-8474 64 45 retirement retirement NOUN crln-8474 64 46 savings saving NOUN crln-8474 64 47 through through ADP crln-8474 64 48 pensions pension NOUN crln-8474 64 49 and and CCONJ crln-8474 64 50 retirement retirement NOUN crln-8474 64 51 plans plan NOUN crln-8474 64 52 , , PUNCT crln-8474 64 53 managing manage VERB crln-8474 64 54 debt debt NOUN crln-8474 64 55 , , PUNCT crln-8474 64 56 and and CCONJ crln-8474 64 57 avoiding avoid VERB crln-8474 64 58 fraud fraud NOUN crln-8474 64 59 . . PUNCT crln-8474 65 1 access access NOUN crln-8474 65 2 : : PUNCT crln-8474 65 3 http://www.myretirementpaycheck.org/. http://www.myretirementpaycheck.org/. PROPN crln-8474 65 4 • • VERB crln-8474 65 5 “ " PUNCT crln-8474 65 6 planning plan VERB crln-8474 65 7 to to PART crln-8474 65 8 retire retire VERB crln-8474 65 9 ” " PUNCT crln-8474 65 10 blog blog NOUN crln-8474 65 11 . . PUNCT crln-8474 66 1 maintained maintain VERB crln-8474 66 2 by by ADP crln-8474 66 3 emily emily PROPN crln-8474 66 4 brandon brandon PROPN crln-8474 66 5 , , PUNCT crln-8474 66 6 associate associate ADJ crln-8474 66 7 editor editor NOUN crln-8474 66 8 of of ADP crln-8474 66 9 u.s u.s PROPN crln-8474 66 10 . . PROPN crln-8474 66 11 news news PROPN crln-8474 66 12 & & CCONJ crln-8474 66 13 world world PROPN crln-8474 66 14 report report NOUN crln-8474 66 15 , , PUNCT crln-8474 66 16 this this DET crln-8474 66 17 blog blog NOUN crln-8474 66 18 introduces introduce VERB crln-8474 66 19 readers reader NOUN crln-8474 66 20 to to ADP crln-8474 66 21 the the DET crln-8474 66 22 latest late ADJ crln-8474 66 23 research research NOUN crln-8474 66 24 reports report NOUN crln-8474 66 25 , , PUNCT crln-8474 66 26 timelines timeline NOUN crln-8474 66 27 , , PUNCT crln-8474 66 28 and and CCONJ crln-8474 66 29 expert expert NOUN crln-8474 66 30 suggestions suggestion NOUN crln-8474 66 31 on on ADP crln-8474 66 32 both both PRON crln-8474 66 33 preparing prepare VERB crln-8474 66 34 financially financially ADV crln-8474 66 35 for for ADP crln-8474 66 36 retirement retirement NOUN crln-8474 66 37 and and CCONJ crln-8474 66 38 making make VERB crln-8474 66 39 the the DET crln-8474 66 40 most most ADJ crln-8474 66 41 of of ADP crln-8474 66 42 those those DET crln-8474 66 43 years year NOUN crln-8474 66 44 . . PUNCT crln-8474 67 1 access access NOUN crln-8474 67 2 : : PUNCT crln-8474 67 3 http://money http://money PROPN crln-8474 67 4 . . PUNCT crln-8474 68 1 usnews.com/money/blogs/planning-to-retire usnews.com/money/blogs/planning-to-retire VERB crln-8474 68 2 . . PUNCT crln-8474 69 1 • • VERB crln-8474 69 2 “ " PUNCT crln-8474 69 3 the the DET crln-8474 69 4 retirement retirement NOUN crln-8474 69 5 beat beat NOUN crln-8474 69 6 ” " PUNCT crln-8474 69 7 blog blog NOUN crln-8474 69 8 . . PUNCT crln-8474 70 1 reporter reporter NOUN crln-8474 70 2 carla carla NOUN crln-8474 70 3 fried fry VERB crln-8474 70 4 offers offer VERB crln-8474 70 5 this this DET crln-8474 70 6 blog blog NOUN crln-8474 70 7 about about ADP crln-8474 70 8 developments development NOUN crln-8474 70 9 and and CCONJ crln-8474 70 10 practical practical ADJ crln-8474 70 11 advice advice NOUN crln-8474 70 12 regarding regard VERB crln-8474 70 13 retirement retirement NOUN crln-8474 70 14 and and CCONJ crln-8474 70 15 financial financial ADJ crln-8474 70 16 planning planning NOUN crln-8474 70 17 for for ADP crln-8474 70 18 cbs cbs PROPN crln-8474 70 19 moneywatch.com moneywatch.com X crln-8474 70 20 . . PUNCT crln-8474 71 1 access access NOUN crln-8474 71 2 : : PUNCT crln-8474 71 3 http://moneywatch.bnet http://moneywatch.bnet NOUN crln-8474 71 4 . . PUNCT crln-8474 71 5 com com PROPN crln-8474 71 6 / / SYM crln-8474 71 7 retirement retirement NOUN crln-8474 71 8 - - PUNCT crln-8474 71 9 planning planning NOUN crln-8474 71 10 / / SYM crln-8474 71 11 blog blog NOUN crln-8474 71 12 / / SYM crln-8474 71 13 retirementbeat/?tag retirementbeat/?tag NOUN crln-8474 71 14 = = NOUN crln-8474 71 15 col1;drawer col1;drawer NOUN crln-8474 71 16 . . PUNCT crln-8474 72 1 • • PROPN crln-8474 72 2 retirement retirement NOUN crln-8474 72 3 living live VERB crln-8474 72 4 information information NOUN crln-8474 72 5 center center NOUN crln-8474 72 6 . . PUNCT crln-8474 73 1 this this DET crln-8474 73 2 compendium compendium NOUN crln-8474 73 3 of of ADP crln-8474 73 4 resources resource NOUN crln-8474 73 5 for for ADP crln-8474 73 6 senior senior ADJ crln-8474 73 7 living living NOUN crln-8474 73 8 includes include VERB crln-8474 73 9 links link NOUN crln-8474 73 10 to to ADP crln-8474 73 11 information information NOUN crln-8474 73 12 about about ADP crln-8474 73 13 retirement retirement NOUN crln-8474 73 14 communities community NOUN crln-8474 73 15 , , PUNCT crln-8474 73 16 trends trend NOUN crln-8474 73 17 in in ADP crln-8474 73 18 senior senior ADJ crln-8474 73 19 housing housing NOUN crln-8474 73 20 and and CCONJ crln-8474 73 21 retirement retirement NOUN crln-8474 73 22 lifestyles lifestyle NOUN crln-8474 73 23 , , PUNCT crln-8474 73 24 guides guide VERB crln-8474 73 25 for for ADP crln-8474 73 26 the the DET crln-8474 73 27 best good ADJ crln-8474 73 28 places place NOUN crln-8474 73 29 to to PART crln-8474 73 30 retire retire VERB crln-8474 73 31 , , PUNCT crln-8474 73 32 web web NOUN crln-8474 73 33 sites site NOUN crln-8474 73 34 that that PRON crln-8474 73 35 post post VERB crln-8474 73 36 jobs job NOUN crln-8474 73 37 for for ADP crln-8474 73 38 those those PRON crln-8474 73 39 over over ADP crln-8474 73 40 55 55 NUM crln-8474 73 41 , , PUNCT crln-8474 73 42 and and CCONJ crln-8474 73 43 special special ADJ crln-8474 73 44 products product NOUN crln-8474 73 45 and and CCONJ crln-8474 73 46 services service NOUN crln-8474 73 47 for for ADP crln-8474 73 48 seniors senior NOUN crln-8474 73 49 with with ADP crln-8474 73 50 special special ADJ crln-8474 73 51 needs need NOUN crln-8474 73 52 . . PUNCT crln-8474 74 1 access access NOUN crln-8474 74 2 : : PUNCT crln-8474 74 3 http://www http://www PROPN crln-8474 74 4 . . PUNCT crln-8474 75 1 retirementliving.com/. retirementliving.com/. NOUN crln-8474 75 2 • • VERB crln-8474 75 3 “ " PUNCT crln-8474 75 4 saving save VERB crln-8474 75 5 for for ADP crln-8474 75 6 retirement retirement NOUN crln-8474 75 7 : : PUNCT crln-8474 75 8 what what PRON crln-8474 75 9 do do AUX crln-8474 75 10 you you PRON crln-8474 75 11 know know VERB crln-8474 75 12 ? ? PUNCT crln-8474 75 13 ” " PUNCT crln-8474 76 1 this this DET crln-8474 76 2 publication publication NOUN crln-8474 76 3 from from ADP crln-8474 76 4 the the DET crln-8474 76 5 national national PROPN crln-8474 76 6 institute institute PROPN crln-8474 76 7 on on ADP crln-8474 76 8 aging aging NOUN crln-8474 76 9 is be AUX crln-8474 76 10 written write VERB crln-8474 76 11 for for ADP crln-8474 76 12 those those PRON crln-8474 76 13 who who PRON crln-8474 76 14 are be AUX crln-8474 76 15 beginning begin VERB crln-8474 76 16 their their PRON crln-8474 76 17 retirement retirement NOUN crln-8474 76 18 saving save VERB crln-8474 76 19 journey journey NOUN crln-8474 76 20 . . PUNCT crln-8474 77 1 fictional fictional ADJ crln-8474 77 2 stories story NOUN crln-8474 77 3 illustrate illustrate VERB crln-8474 77 4 important important ADJ crln-8474 77 5 lessons lesson NOUN crln-8474 77 6 about about ADP crln-8474 77 7 saving save VERB crln-8474 77 8 , , PUNCT crln-8474 77 9 prompt prompt ADJ crln-8474 77 10 reader reader NOUN crln-8474 77 11 responses response NOUN crln-8474 77 12 , , PUNCT crln-8474 77 13 and and CCONJ crln-8474 77 14 offer offer VERB crln-8474 77 15 ideas idea NOUN crln-8474 77 16 to to PART crln-8474 77 17 increase increase VERB crln-8474 77 18 savings saving NOUN crln-8474 77 19 efforts effort NOUN crln-8474 77 20 . . PUNCT crln-8474 78 1 it it PRON crln-8474 78 2 concludes conclude VERB crln-8474 78 3 with with ADP crln-8474 78 4 a a DET crln-8474 78 5 list list NOUN crln-8474 78 6 of of ADP crln-8474 78 7 resources resource NOUN crln-8474 78 8 to to PART crln-8474 78 9 facilitate facilitate VERB crln-8474 78 10 further further ADJ crln-8474 78 11 information information NOUN crln-8474 78 12 discovery discovery NOUN crln-8474 78 13 . . PUNCT crln-8474 79 1 it it PRON crln-8474 79 2 also also ADV crln-8474 79 3 provides provide VERB crln-8474 79 4 a a DET crln-8474 79 5 beneficial beneficial ADJ crln-8474 79 6 introduction introduction NOUN crln-8474 79 7 to to ADP crln-8474 79 8 the the DET crln-8474 79 9 national national PROPN crln-8474 79 10 institute institute PROPN crln-8474 79 11 on on ADP crln-8474 79 12 aging age VERB crln-8474 79 13 ’s ’s PART crln-8474 79 14 efforts effort NOUN crln-8474 79 15 to to PART crln-8474 79 16 understand understand VERB crln-8474 79 17 the the DET crln-8474 79 18 nature nature NOUN crln-8474 79 19 of of ADP crln-8474 79 20 aging age VERB crln-8474 79 21 through through ADP crln-8474 79 22 research research NOUN crln-8474 79 23 , , PUNCT crln-8474 79 24 training training NOUN crln-8474 79 25 , , PUNCT crln-8474 79 26 december december PROPN crln-8474 79 27 2010 2010 NUM crln-8474 79 28 593 593 NUM crln-8474 79 29 c&rl c&rl PROPN crln-8474 79 30 news news NOUN crln-8474 79 31 and and CCONJ crln-8474 79 32 information information NOUN crln-8474 79 33 about about ADP crln-8474 79 34 keeping keep VERB crln-8474 79 35 older old ADJ crln-8474 79 36 people people NOUN crln-8474 79 37 healthy healthy ADJ crln-8474 79 38 and and CCONJ crln-8474 79 39 active active ADJ crln-8474 79 40 . . PUNCT crln-8474 80 1 access access NOUN crln-8474 80 2 : : PUNCT crln-8474 80 3 http://www http://www NOUN crln-8474 80 4 . . PUNCT crln-8474 81 1 nia.nih.gov/nr/rdonlyres/58218de8-fb564353-9de8-eb35e951404c/0/retirement nia.nih.gov/nr/rdonlyres/58218de8-fb564353-9de8-eb35e951404c/0/retirement NOUN crln-8474 81 2 _ _ PUNCT crln-8474 81 3 final_lowresfinalpdf103009.pdf final_lowresfinalpdf103009.pdf NOUN crln-8474 81 4 . . PUNCT crln-8474 82 1 • • PROPN crln-8474 82 2 smartaboutmoney smartaboutmoney NOUN crln-8474 82 3 . . PUNCT crln-8474 83 1 this this DET crln-8474 83 2 web web NOUN crln-8474 83 3 site site NOUN crln-8474 83 4 from from ADP crln-8474 83 5 the the DET crln-8474 83 6 national national ADJ crln-8474 83 7 endowment endowment NOUN crln-8474 83 8 for for ADP crln-8474 83 9 financial financial ADJ crln-8474 83 10 education education NOUN crln-8474 83 11 offers offer VERB crln-8474 83 12 tips tip NOUN crln-8474 83 13 and and CCONJ crln-8474 83 14 information information NOUN crln-8474 83 15 about about ADP crln-8474 83 16 budgeting budgeting NOUN crln-8474 83 17 , , PUNCT crln-8474 83 18 reducing reduce VERB crln-8474 83 19 debt debt NOUN crln-8474 83 20 , , PUNCT crln-8474 83 21 and and CCONJ crln-8474 83 22 setting set VERB crln-8474 83 23 financial financial ADJ crln-8474 83 24 goals goal NOUN crln-8474 83 25 . . PUNCT crln-8474 84 1 the the DET crln-8474 84 2 “ " PUNCT crln-8474 84 3 planning plan VERB crln-8474 84 4 for for ADP crln-8474 84 5 retirement retirement NOUN crln-8474 84 6 ” " PUNCT crln-8474 84 7 section section NOUN crln-8474 84 8 includes include VERB crln-8474 84 9 information information NOUN crln-8474 84 10 about about ADP crln-8474 84 11 calculating calculate VERB crln-8474 84 12 retirement retirement NOUN crln-8474 84 13 savings saving NOUN crln-8474 84 14 , , PUNCT crln-8474 84 15 catch catch NOUN crln-8474 84 16 - - PUNCT crln-8474 84 17 up up ADP crln-8474 84 18 strategies strategy NOUN crln-8474 84 19 for for ADP crln-8474 84 20 retirement retirement NOUN crln-8474 84 21 savings saving NOUN crln-8474 84 22 , , PUNCT crln-8474 84 23 and and CCONJ crln-8474 84 24 creating create VERB crln-8474 84 25 a a DET crln-8474 84 26 “ " PUNCT crln-8474 84 27 retirement retirement NOUN crln-8474 84 28 paycheck paycheck NOUN crln-8474 84 29 . . PUNCT crln-8474 84 30 ” " PUNCT crln-8474 85 1 the the DET crln-8474 85 2 site site NOUN crln-8474 85 3 also also ADV crln-8474 85 4 includes include VERB crln-8474 85 5 a a DET crln-8474 85 6 calculator calculator NOUN crln-8474 85 7 to to PART crln-8474 85 8 determine determine VERB crln-8474 85 9 the the DET crln-8474 85 10 impact impact NOUN crln-8474 85 11 of of ADP crln-8474 85 12 borrowing borrow VERB crln-8474 85 13 from from ADP crln-8474 85 14 a a DET crln-8474 85 15 401(k 401(k PROPN crln-8474 85 16 ) ) PUNCT crln-8474 85 17 plan plan NOUN crln-8474 85 18 and and CCONJ crln-8474 85 19 a a DET crln-8474 85 20 downloadable downloadable ADJ crln-8474 85 21 publication publication NOUN crln-8474 85 22 titled title VERB crln-8474 85 23 “ " PUNCT crln-8474 85 24 guidebook guidebook NOUN crln-8474 85 25 to to PART crln-8474 85 26 help help VERB crln-8474 85 27 late late ADJ crln-8474 85 28 savers saver NOUN crln-8474 85 29 prepare prepare VERB crln-8474 85 30 for for ADP crln-8474 85 31 retirement retirement NOUN crln-8474 85 32 . . PUNCT crln-8474 85 33 ” " PUNCT crln-8474 85 34 access access NOUN crln-8474 85 35 : : PUNCT crln-8474 85 36 http://www.smartaboutmoney.org/. http://www.smartaboutmoney.org/. PROPN crln-8474 85 37 • • INTJ crln-8474 85 38 “ " PUNCT crln-8474 85 39 top top ADJ crln-8474 85 40 10 10 NUM crln-8474 85 41 ways way NOUN crln-8474 85 42 to to PART crln-8474 85 43 prepare prepare VERB crln-8474 85 44 for for ADP crln-8474 85 45 retirement retirement NOUN crln-8474 85 46 . . PUNCT crln-8474 85 47 ” " PUNCT crln-8474 86 1 this this DET crln-8474 86 2 publication publication NOUN crln-8474 86 3 from from ADP crln-8474 86 4 the the DET crln-8474 86 5 department department NOUN crln-8474 86 6 of of ADP crln-8474 86 7 labor labor PROPN crln-8474 86 8 ’s ’s PART crln-8474 86 9 employee employee NOUN crln-8474 86 10 benefits benefit NOUN crln-8474 86 11 security security NOUN crln-8474 86 12 administration administration NOUN crln-8474 86 13 outlines outline VERB crln-8474 86 14 tips tip NOUN crln-8474 86 15 to to PART crln-8474 86 16 maintain maintain VERB crln-8474 86 17 your your PRON crln-8474 86 18 standard standard NOUN crln-8474 86 19 of of ADP crln-8474 86 20 living live VERB crln-8474 86 21 during during ADP crln-8474 86 22 retirement retirement NOUN crln-8474 86 23 , , PUNCT crln-8474 86 24 such such ADJ crln-8474 86 25 as as ADP crln-8474 86 26 finding find VERB crln-8474 86 27 out out ADP crln-8474 86 28 about about ADP crln-8474 86 29 your your PRON crln-8474 86 30 social social ADJ crln-8474 86 31 security security NOUN crln-8474 86 32 benefits benefit NOUN crln-8474 86 33 and and CCONJ crln-8474 86 34 the the DET crln-8474 86 35 advantage advantage NOUN crln-8474 86 36 of of ADP crln-8474 86 37 starting start VERB crln-8474 86 38 early early ADV crln-8474 86 39 . . PUNCT crln-8474 87 1 it it PRON crln-8474 87 2 also also ADV crln-8474 87 3 provides provide VERB crln-8474 87 4 links link NOUN crln-8474 87 5 to to ADP crln-8474 87 6 booklets booklet NOUN crln-8474 87 7 , , PUNCT crln-8474 87 8 including include VERB crln-8474 87 9 “ " PUNCT crln-8474 87 10 what what PRON crln-8474 87 11 you you PRON crln-8474 87 12 should should AUX crln-8474 87 13 know know VERB crln-8474 87 14 about about ADP crln-8474 87 15 your your PRON crln-8474 87 16 retirement retirement NOUN crln-8474 87 17 plan plan NOUN crln-8474 87 18 , , PUNCT crln-8474 87 19 ” " PUNCT crln-8474 87 20 “ " PUNCT crln-8474 87 21 choosing choose VERB crln-8474 87 22 a a DET crln-8474 87 23 retirement retirement NOUN crln-8474 87 24 solution solution NOUN crln-8474 87 25 for for ADP crln-8474 87 26 your your PRON crln-8474 87 27 small small ADJ crln-8474 87 28 business business NOUN crln-8474 87 29 , , PUNCT crln-8474 87 30 ” " PUNCT crln-8474 87 31 and and CCONJ crln-8474 87 32 “ " PUNCT crln-8474 87 33 filing file VERB crln-8474 87 34 a a DET crln-8474 87 35 claim claim NOUN crln-8474 87 36 for for ADP crln-8474 87 37 your your PRON crln-8474 87 38 retirement retirement NOUN crln-8474 87 39 benefits benefit NOUN crln-8474 87 40 . . PUNCT crln-8474 87 41 ” " PUNCT crln-8474 87 42 access access NOUN crln-8474 87 43 : : PUNCT crln-8474 87 44 http:// http:// X crln-8474 87 45 www.dol.gov/ebsa/publications/10_ways www.dol.gov/ebsa/publications/10_way NOUN crln-8474 87 46 _ _ PUNCT crln-8474 87 47 to_prepare.html to_prepare.html PROPN crln-8474 87 48 . . PUNCT crln-8474 88 1 • • PROPN crln-8474 88 2 transforming transform VERB crln-8474 88 3 life life NOUN crln-8474 88 4 after after ADP crln-8474 88 5 50 50 NUM crln-8474 88 6 . . PUNCT crln-8474 89 1 this this DET crln-8474 89 2 initiative initiative NOUN crln-8474 89 3 of of ADP crln-8474 89 4 the the DET crln-8474 89 5 california california PROPN crln-8474 89 6 state state PROPN crln-8474 89 7 library library NOUN crln-8474 89 8 assists assist NOUN crln-8474 89 9 libraries librarie VERB crln-8474 89 10 not not PART crln-8474 89 11 only only ADV crln-8474 89 12 in in ADP crln-8474 89 13 better well ADV crln-8474 89 14 serving serve VERB crln-8474 89 15 midlife midlife NOUN crln-8474 89 16 adults adult NOUN crln-8474 89 17 , , PUNCT crln-8474 89 18 but but CCONJ crln-8474 89 19 also also ADV crln-8474 89 20 in in ADP crln-8474 89 21 creating create VERB crln-8474 89 22 ways way NOUN crln-8474 89 23 for for SCONJ crln-8474 89 24 this this DET crln-8474 89 25 growing grow VERB crln-8474 89 26 segment segment NOUN crln-8474 89 27 of of ADP crln-8474 89 28 the the DET crln-8474 89 29 population population NOUN crln-8474 89 30 to to PART crln-8474 89 31 learn learn VERB crln-8474 89 32 , , PUNCT crln-8474 89 33 teach teach VERB crln-8474 89 34 , , PUNCT crln-8474 89 35 lead lead NOUN crln-8474 89 36 , , PUNCT crln-8474 89 37 build build NOUN crln-8474 89 38 skills skill NOUN crln-8474 89 39 , , PUNCT crln-8474 89 40 and and CCONJ crln-8474 89 41 become become VERB crln-8474 89 42 engaged engaged ADJ crln-8474 89 43 with with ADP crln-8474 89 44 their their PRON crln-8474 89 45 communities community NOUN crln-8474 89 46 . . PUNCT crln-8474 90 1 information information NOUN crln-8474 90 2 about about ADP crln-8474 90 3 midlife midlife NOUN crln-8474 90 4 trends trend NOUN crln-8474 90 5 — — PUNCT crln-8474 90 6 such such ADJ crln-8474 90 7 as as ADP crln-8474 90 8 spirituality spirituality NOUN crln-8474 90 9 , , PUNCT crln-8474 90 10 financial financial ADJ crln-8474 90 11 security security NOUN crln-8474 90 12 , , PUNCT crln-8474 90 13 work work NOUN crln-8474 90 14 and and CCONJ crln-8474 90 15 volunteerism volunteerism NOUN crln-8474 90 16 , , PUNCT crln-8474 90 17 and and CCONJ crln-8474 90 18 lifelong lifelong ADJ crln-8474 90 19 learning learning NOUN crln-8474 90 20 — — PUNCT crln-8474 90 21 provides provide VERB crln-8474 90 22 insight insight NOUN crln-8474 90 23 into into ADP crln-8474 90 24 this this DET crln-8474 90 25 targeted target VERB crln-8474 90 26 group group NOUN crln-8474 90 27 of of ADP crln-8474 90 28 library library NOUN crln-8474 90 29 users user NOUN crln-8474 90 30 . . PUNCT crln-8474 91 1 tools tool NOUN crln-8474 91 2 for for ADP crln-8474 91 3 engaging engage VERB crln-8474 91 4 midlife midlife NOUN crln-8474 91 5 adults adult NOUN crln-8474 91 6 are be AUX crln-8474 91 7 designed design VERB crln-8474 91 8 to to PART crln-8474 91 9 facilitate facilitate VERB crln-8474 91 10 further further ADJ crln-8474 91 11 discussion discussion NOUN crln-8474 91 12 . . PUNCT crln-8474 92 1 access access NOUN crln-8474 92 2 : : PUNCT crln-8474 92 3 http://transforminglifeafter50.org/. http://transforminglifeafter50.org/. NOUN crln-8474 92 4 volunteering volunteering NOUN crln-8474 92 5 and and CCONJ crln-8474 92 6 lifelong lifelong ADJ crln-8474 92 7 learning learn VERB crln-8474 92 8 • • PROPN crln-8474 92 9 corporation corporation NOUN crln-8474 93 1 f f PROPN crln-8474 94 1 o o X crln-8474 95 1 r r X crln-8474 95 2 n n X crln-8474 95 3 a a DET crln-8474 95 4 t t NOUN crln-8474 95 5 i i PRON crln-8474 95 6 o o NOUN crln-8474 95 7 n n ADV crln-8474 95 8 a a DET crln-8474 95 9 l l X crln-8474 95 10 a a PRON crln-8474 95 11 n n PROPN crln-8474 95 12 d d PROPN crln-8474 95 13 community community NOUN crln-8474 95 14 service service NOUN crln-8474 95 15 : : PUNCT crln-8474 95 16 senior senior ADJ crln-8474 95 17 corps corps NOUN crln-8474 95 18 . . PUNCT crln-8474 96 1 this this DET crln-8474 96 2 initiative initiative NOUN crln-8474 96 3 provides provide VERB crln-8474 96 4 information information NOUN crln-8474 96 5 to to ADP crln-8474 96 6 those those PRON crln-8474 96 7 over over ADP crln-8474 96 8 55 55 NUM crln-8474 96 9 about about ADP crln-8474 96 10 sharing share VERB crln-8474 96 11 their their PRON crln-8474 96 12 talents talent NOUN crln-8474 96 13 and and CCONJ crln-8474 96 14 experiences experience NOUN crln-8474 96 15 with with ADP crln-8474 96 16 their their PRON crln-8474 96 17 communities community NOUN crln-8474 96 18 in in ADP crln-8474 96 19 new new ADJ crln-8474 96 20 ways way NOUN crln-8474 96 21 . . PUNCT crln-8474 97 1 it it PRON crln-8474 97 2 offers offer VERB crln-8474 97 3 details detail NOUN crln-8474 97 4 about about ADP crln-8474 97 5 becoming become VERB crln-8474 97 6 mentors mentor NOUN crln-8474 97 7 , , PUNCT crln-8474 97 8 coaches coach NOUN crln-8474 97 9 , , PUNCT crln-8474 97 10 foster foster ADJ crln-8474 97 11 grandparents grandparent NOUN crln-8474 97 12 and and CCONJ crln-8474 97 13 senior senior ADJ crln-8474 97 14 companions companion NOUN crln-8474 97 15 , , PUNCT crln-8474 97 16 as as ADV crln-8474 97 17 well well ADV crln-8474 97 18 as as ADP crln-8474 97 19 taking take VERB crln-8474 97 20 advantage advantage NOUN crln-8474 97 21 of of ADP crln-8474 97 22 service service NOUN crln-8474 97 23 opportunities opportunity NOUN crln-8474 97 24 provided provide VERB crln-8474 97 25 by by ADP crln-8474 97 26 community community NOUN crln-8474 97 27 projects project NOUN crln-8474 97 28 and and CCONJ crln-8474 97 29 organizations organization NOUN crln-8474 97 30 . . PUNCT crln-8474 98 1 access access NOUN crln-8474 98 2 : : PUNCT crln-8474 98 3 http://www http://www PROPN crln-8474 98 4 . . PUNCT crln-8474 98 5 seniorcorps.gov/about/programs/rsvp.asp seniorcorps.gov/about/programs/rsvp.asp PROPN crln-8474 98 6 . . PUNCT crln-8474 99 1 • • VERB crln-8474 99 2 discovering discover VERB crln-8474 99 3 what what PRON crln-8474 99 4 ’s ’ VERB crln-8474 99 5 next next ADV crln-8474 99 6 . . PUNCT crln-8474 100 1 this this DET crln-8474 100 2 newtonville newtonville PROPN crln-8474 100 3 , , PUNCT crln-8474 100 4 massachusetts massachusetts PROPN crln-8474 100 5 - - PUNCT crln-8474 100 6 based base VERB crln-8474 100 7 network network NOUN crln-8474 100 8 connects connect VERB crln-8474 100 9 those those PRON crln-8474 100 10 over over ADP crln-8474 100 11 50 50 NUM crln-8474 100 12 with with ADP crln-8474 100 13 community community NOUN crln-8474 100 14 organizations organization NOUN crln-8474 100 15 in in ADP crln-8474 100 16 mutually mutually ADV crln-8474 100 17 beneficial beneficial ADJ crln-8474 100 18 activities activity NOUN crln-8474 100 19 . . PUNCT crln-8474 101 1 its its PRON crln-8474 101 2 “ " PUNCT crln-8474 101 3 toolkit toolkit NOUN crln-8474 101 4 sampler sampler NOUN crln-8474 101 5 : : PUNCT crln-8474 101 6 jump jump NOUN crln-8474 101 7 - - PUNCT crln-8474 101 8 start start VERB crln-8474 101 9 your your PRON crln-8474 101 10 volunteer volunteer NOUN crln-8474 101 11 search search NOUN crln-8474 101 12 ” " PUNCT crln-8474 101 13 is be AUX crln-8474 101 14 a a DET crln-8474 101 15 checklist checklist NOUN crln-8474 101 16 to to PART crln-8474 101 17 help help VERB crln-8474 101 18 clarify clarify VERB crln-8474 101 19 your your PRON crln-8474 101 20 volunteer volunteer NOUN crln-8474 101 21 strengths strength NOUN crln-8474 101 22 and and CCONJ crln-8474 101 23 interests interest NOUN crln-8474 101 24 ( ( PUNCT crln-8474 101 25 http://discoveringwhatsnext.org/documents http://discoveringwhatsnext.org/document NOUN crln-8474 101 26 /microsoftword /microsoftword PROPN crln-8474 101 27 - - PUNCT crln-8474 101 28 jumpstartyourvolun jumpstartyourvolun NOUN crln-8474 101 29 teersearch.pdf teersearch.pdf NOUN crln-8474 101 30 ) ) PUNCT crln-8474 101 31 . . PUNCT crln-8474 102 1 access access NOUN crln-8474 102 2 : : PUNCT crln-8474 102 3 http://discoveringwhatsnext.org/index.html http://discoveringwhatsnext.org/index.html X crln-8474 102 4 . . PUNCT crln-8474 102 5 • • PROPN crln-8474 102 6 north north PROPN crln-8474 102 7 carolina carolina PROPN crln-8474 102 8 center center PROPN crln-8474 102 9 for for ADP crln-8474 102 10 creative creative ADJ crln-8474 102 11 retirement retirement NOUN crln-8474 102 12 . . PUNCT crln-8474 103 1 what what PRON crln-8474 103 2 began begin VERB crln-8474 103 3 as as ADP crln-8474 103 4 a a DET crln-8474 103 5 department department NOUN crln-8474 103 6 of of ADP crln-8474 103 7 the the DET crln-8474 103 8 university university PROPN crln-8474 103 9 of of ADP crln-8474 103 10 north north PROPN crln-8474 103 11 carolina carolina PROPN crln-8474 103 12 - - PUNCT crln-8474 103 13 asheville asheville PROPN crln-8474 103 14 is be AUX crln-8474 103 15 now now ADV crln-8474 103 16 an an DET crln-8474 103 17 organization organization NOUN crln-8474 103 18 that that PRON crln-8474 103 19 provides provide VERB crln-8474 103 20 opportunities opportunity NOUN crln-8474 103 21 for for ADP crln-8474 103 22 midlife midlife NOUN crln-8474 103 23 and and CCONJ crln-8474 103 24 retired retire VERB crln-8474 103 25 adults adult NOUN crln-8474 103 26 to to PART crln-8474 103 27 experience experience VERB crln-8474 103 28 lifelong lifelong ADJ crln-8474 103 29 learning learning NOUN crln-8474 103 30 , , PUNCT crln-8474 103 31 leadership leadership NOUN crln-8474 103 32 , , PUNCT crln-8474 103 33 and and CCONJ crln-8474 103 34 community community NOUN crln-8474 103 35 service service NOUN crln-8474 103 36 . . PUNCT crln-8474 104 1 programs program NOUN crln-8474 104 2 in in ADP crln-8474 104 3 the the DET crln-8474 104 4 arts art NOUN crln-8474 104 5 and and CCONJ crln-8474 104 6 humanities humanity NOUN crln-8474 104 7 , , PUNCT crln-8474 104 8 nature nature NOUN crln-8474 104 9 , , PUNCT crln-8474 104 10 civic civic ADJ crln-8474 104 11 engagement engagement NOUN crln-8474 104 12 , , PUNCT crln-8474 104 13 and and CCONJ crln-8474 104 14 wellness wellness NOUN crln-8474 104 15 are be AUX crln-8474 104 16 complemented complement VERB crln-8474 104 17 by by ADP crln-8474 104 18 research research NOUN crln-8474 104 19 on on ADP crln-8474 104 20 trends trend NOUN crln-8474 104 21 in in ADP crln-8474 104 22 reinventing reinvent VERB crln-8474 104 23 retirement retirement NOUN crln-8474 104 24 and and CCONJ crln-8474 104 25 ways way NOUN crln-8474 104 26 to to PART crln-8474 104 27 facilitate facilitate VERB crln-8474 104 28 life life NOUN crln-8474 104 29 transition transition NOUN crln-8474 104 30 and and CCONJ crln-8474 104 31 retirement retirement NOUN crln-8474 104 32 relocation relocation NOUN crln-8474 104 33 planning planning NOUN crln-8474 104 34 . . PUNCT crln-8474 105 1 browsing browse VERB crln-8474 105 2 through through ADP crln-8474 105 3 this this DET crln-8474 105 4 site site NOUN crln-8474 105 5 may may AUX crln-8474 105 6 generate generate VERB crln-8474 105 7 ideas idea NOUN crln-8474 105 8 of of ADP crln-8474 105 9 similar similar ADJ crln-8474 105 10 resources resource NOUN crln-8474 105 11 available available ADJ crln-8474 105 12 in in ADP crln-8474 105 13 your your PRON crln-8474 105 14 community community NOUN crln-8474 105 15 . . PUNCT crln-8474 106 1 access access NOUN crln-8474 106 2 : : PUNCT crln-8474 106 3 http://www2 http://www2 NOUN crln-8474 106 4 . . PUNCT crln-8474 107 1 unca.edu/ncccr/. unca.edu/ncccr/. PROPN crln-8474 107 2 notes note VERB crln-8474 107 3 1 1 NUM crln-8474 107 4 . . PROPN crln-8474 107 5 teresa teresa NOUN crln-8474 107 6 ghilarducci ghilarducci PROPN crln-8474 107 7 , , PUNCT crln-8474 107 8 when when SCONJ crln-8474 107 9 i i PRON crln-8474 107 10 ’m ’m VERB crln-8474 107 11 sixtyfour sixtyfour NOUN crln-8474 107 12 : : PUNCT crln-8474 107 13 the the DET crln-8474 107 14 plot plot NOUN crln-8474 107 15 against against ADP crln-8474 107 16 pensions pension NOUN crln-8474 107 17 and and CCONJ crln-8474 107 18 the the DET crln-8474 107 19 plan plan NOUN crln-8474 107 20 to to PART crln-8474 107 21 save save VERB crln-8474 107 22 them they PRON crln-8474 107 23 ( ( PUNCT crln-8474 107 24 princeton princeton PROPN crln-8474 107 25 university university PROPN crln-8474 107 26 press press NOUN crln-8474 107 27 , , PUNCT crln-8474 107 28 2008 2008 NUM crln-8474 107 29 ) ) PUNCT crln-8474 107 30 . . PUNCT crln-8474 108 1 2 2 X crln-8474 108 2 . . PROPN crln-8474 108 3 pensions pensions PROPN crln-8474 108 4 & & CCONJ crln-8474 108 5 retirement retirement NOUN crln-8474 108 6 security security NOUN crln-8474 108 7 : : PUNCT crln-8474 108 8 a a DET crln-8474 108 9 roadmap roadmap NOUN crln-8474 108 10 for for ADP crln-8474 108 11 policymakers policymaker NOUN crln-8474 108 12 , , PUNCT crln-8474 108 13 a a DET crln-8474 108 14 january january PROPN crln-8474 108 15 2009 2009 NUM crln-8474 108 16 report report NOUN crln-8474 108 17 from from ADP crln-8474 108 18 the the DET crln-8474 108 19 national national PROPN crln-8474 108 20 institute institute PROPN crln-8474 108 21 on on ADP crln-8474 108 22 retirement retirement NOUN crln-8474 108 23 security security NOUN crln-8474 108 24 . . PUNCT crln-8474 109 1 3 3 X crln-8474 109 2 . . X crln-8474 109 3 brett brett PROPN crln-8474 109 4 arends arend NOUN crln-8474 109 5 , , PUNCT crln-8474 109 6 “ " PUNCT crln-8474 109 7 a a DET crln-8474 109 8 nation nation NOUN crln-8474 109 9 of of ADP crln-8474 109 10 helen helen PROPN crln-8474 109 11 thomases thomas NOUN crln-8474 109 12 , , PUNCT crln-8474 109 13 ” " PUNCT crln-8474 109 14 wall wall PROPN crln-8474 109 15 street street PROPN crln-8474 109 16 journal journal PROPN crln-8474 109 17 , , PUNCT crln-8474 109 18 june june PROPN crln-8474 109 19 11 11 NUM crln-8474 109 20 , , PUNCT crln-8474 109 21 2010 2010 NUM crln-8474 109 22 . . PUNCT