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What stocks have in store now is crucial for early retirees, who might be inclined to count on continued high returns out of the gate. But stocks are looking expensive. Based on a conservative price/earnings ratio developed by Yale economist Robert Shiller, which uses 10 years of averaged profits, stocks are forecast to return 5% a year over the next decade. That could include down years as well. Here why the market matters so much. Early on in retirement, you tend to spend more freely, as you can finally do all the things you were too busy to do when you worked: travel, eat out more, or indulge a costly hobby. After you hit your mid 70s, your outlays start to drop, even when you take health care spending into account. People 65 to 74 spend 37% more than those 75 and older do, according to the Consumer Expenditure Survey. Retire young, and you starting those free spending years early. At the same time, crafting an income is trickier. Not only can you take Social Security until age 62, you lock in a higher payment if you wait until full retirement age to claim (66 for a 60 year old today; 67 for those born in 1960 or later). If you eligible for a pension and collect before 65, you have to settle for as much as 30% less. So you especially dependent on your investments for income. What to do Hold out for a bigger check. As you navigate these bridge years, you be better off if you can rely on your own resources first. For every year you delay taking Social Security until age 70, you collect an 8% bigger benefit. From then on, you can enjoy an annuity payment, in essence, that indexed to inflation. That worth waiting for. Be willing to change. With bond yields low, a portfolio withdrawal rate that starts at 3% and adjusts for inflation is considered safer than the traditional 4% rule, says retirement researcher Wade Pfau. And that for 30 years, not the 35 or 40 year time horizon of an early retiree. For that, a safer rate dips to a measly 2.6%. When you living entirely on withdrawals, 2% to 3% won cut it (unless you saved a lot of dough). Simply boost your withdrawal rate, though, and you run a high risk of running out of money. A 60 year old couple earning $120,000 today a year and hoping to live on 70% of that, say, would have to withdraw 7% initially from a $1.2 million portfolio. But even if they cut back to 4% when full Social Security kicks in at 66, the chances of their money lasting until 90 drop below 50%. To improve those prospects, get by on less. If the 60 year old couple can live on 60% of their income, they can drop their withdrawal rates to 6% before claiming Social Security, then 3%, doubling their shot at success. Crucially, if you allow yourself a higher withdrawal rate early on, you must cut back when Social Security kicks in. And since your spending patterns and market returns will undoubtedly vary, stay flexible. isn something you do once and forget about, says planner Schroeder. need to review your income plan at least annually. the bear. The other challenge is how to allocate your portfolio. In provocative new research, Pfau and Michael Kitces, director of research at Pinnacle Advisory Group, make the case for starting retirement with just 20% in stocks and gradually buying more over time. Do this, and chances are you stretch out your savings a few more years and, more important, protect yourself from crippling anxiety and steep losses at the outset. If a bear strikes early, you preserve capital and buy stocks on the upswing. If you retire into a bull market, you will miss out on some gains. But your overall odds are still better. you win, tails you won lose, says Kitces. Shifting money into stocks as you age may be too counterintuitive for you to pull off. A 50% or 60% stock stake that you gradually trim is also a good approach, says Vanguard investment research analyst Colleen Jaconetti. 2008, if you had been 50 50, you be ahead of where you are now, she adds. You walking a fine line. It hard to make your money last without the higher returns stocks can provide. But you need to preserve what you have. A bull market later won make up for early losses, says Jaconetti..

BOSTON, Aug. 8, 2012 /PRNewswire/ Fine Paper North America today announced it will be hosting the first annual 2012 Green Community Day, a fun, informative and activity packed day held on August 11, 2012 at the Sappi Westbrook paper mill. also recognize that our sphere of influence extends beyond our mill gates with suppliers and customers across the supply chain and within our local communities. With this event, and thanks to the collaboration of our co sponsors, we are hoping to share our knowledge and help educate the community on sustainable practices, large and small, that everyone can implement into their everyday lives." 2012 Green Community Day Highlights Additional activities include face painting, technology demonstrations, wildlife information, and volunteer opportunities. Free recycling facilities will be available on site to help keep personal documents, CD's, used sneakers, eyeglasses and other electronics out of the waste stream and turn them around to be reused or recycled. Attendees can also enter to win raffle prizes and giveaways including VISA gift cards the day of the event. Admission to the 2012 Green Community Day is free and open to the public with one non perishable food item. All food collected will be directly donated to local food pantries. Co sponsors for the Sappi Green Community Day include: Casella (Pine Tree Waste), Hannaford Supermarkets, Poland Spring Water, Lowe's Home Improvement Warehouse, Hoggy's Market and Panera Bread. About Sappi Fine Paper North AmericaSappi Fine Paper North America, known for innovation and quality, is a preeminent North American producer of coated fine and release papers and market pulp headquartered in Boston, Massachusetts. 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