Retirement is a new beginning. You now have the gift of time. You are free to gaze at the stars, enjoy a movie, play with your grandkids. You are free, finally, of deadlines and the rush of everyday life. Indeed, retirement-which, given today's excellent health facilities, makes up about a third of one's life-could bring in the best years. All you need to do is plan well ahead. Keep sufficient retirement funds Decide on your monthly expenditure Find a hobby you enjoy Exercise and keep your weight under control Go for regular medical check-ups Maintain a balanced relationship with your children Have a healthy sex life Make new friends Learn to give Learn to live alone