In one sentence, describe what the following article is about: Double-click the DOCX file to open it in Microsoft Word. You can also right-click the DOCX file, click Open with..., and click Word. It's in the upper-left side of the Word window. A pop-out menu will appear on the left side of the page. This option is in the middle of the pop-out menu on the left side of the window. It's in the middle of the window. A "Save As" window will appear. Type in whatever you want to name the DOC version of your file. It's near the bottom of the "Save As" window. A drop-down menu will appear. This option is in the drop-down menu. The Word 97-2003 Document format uses the DOC file extension. On the left side of the window, click the folder in which you want to save your document. It's in the bottom-right corner of the window. Doing so will save a DOC version of your document in the selected save location.
Summary: Open the DOCX file in Word. Click File. Click Save As. Double-click This PC. Enter a new name for the DOC file. Click the "Save as type" drop-down box. Click Word 97-2003 Document. Select a save location. Click Save.

According to a study, nearly 40 percent of Americans age 55 and older are working. In fact, workers aged 55 and older accounted for virtually all of the workforce growth in the United States between 2007 and 2014. If you are physically still able to work, consider extending your current employment as long as you can, even if you qualify for retirement. Doing so will help you save even more for your eventual retirement. According to a study done by Merrill Lynch in 2014, nearly 40 percent of Americans age 55 and older are working.  In fact, workers aged 55 and older accounted for virtually all of the workforce growth in the United States between 2007 and 2014.  Nearly 60 percent of retirees venture into a new line of work after the age of 55.  Also, working retirees are three times more likely to be entrepreneurs than their younger counterparts.  Delay tapping into your nest-egg.  Some people choose to continue working for financial reasons.  For example, many companies have eliminated pensions.  Also, recent economic uncertainty has eaten away at many people’s retirement savings. In addition, if your full retirement age for Social Security is 67, you may choose to continue working until you can collect your full benefits.  Stay mentally active. Choosing to work in retirement isn’t all about the money.  It is a way for people to stay mentally active as they age. Others are motivated by increasing life expectancy, which means their retirement may last 20 years or more.  They are therefore motivated to find greater purpose, social connections and fulfillment. If you sign up for Social Security benefits before your full retirement age, you will likely have your benefits withheld while you are still collecting a salary.  As of 2009, if you earn more than $14,160, you must give $1 back to Social Security for every $2 you earn.  If you are of full retirement age, the limit is higher.  As of 2009, those at full retirement age could earn up to $37,680 and still collect Social Security benefits without a penalty. Most defined-benefit pension plans are calculated based on a pre-determined number of years.  If your tenure with the company exceeds that number of years, you won’t get any additional pension benefits.  Also, remember that your pension benefit is going to be based on your income for the last few years you worked.  If you work reduced hours in your later years, your lower earnings could reduce your pension benefit. If you are still covered under your employer’s health insurance policy, don’t pay the premiums to also enroll in Medicare Parts B and D.  That would be double-paying for health insurance.  Also, if you are enrolled in Medicare, your company’s health insurance plan is going to try to make Medicare your primary insurance.  This means you’ll be responsible for the co-pays and deductibles stated in your Medicare plan, which may be higher than those stated by your company’s healthcare plan. If you have already started to receive Social Security benefits or are collecting retirement income from a pension or an IRA, continuing to earn a paycheck on top of these income streams may bump you up into the next tax bracket.  This could cost you thousands of dollars in taxes.  If you are going to be receiving distributions from a 401(k), you can delay the payments until after you stop working.  But, if you have a traditional IRA, you must start receiving payments once you turn 70 ½, even if you are still working.
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One-sentence summary -- Extend your current employment. Start a new career after retirement. Stay within the income limits for Social Security. Estimate the effect on your pension benefits. Delay enrolling in Medicare Parts B and D. Calculate the impact on your income tax.

Problem: Article: Umbrella policies are supplemental insurance policies that protect you from liability over and beyond what your homeowner's and automobile policies will pay. Some umbrella policies offer protection both in excess of the amounts in your homeowner's and auto policies (excess coverage), but also offer coverage for items that are not covered in those policies (drop down coverage). Most insurers offer them, so check with yours about rates and pricing. Although it's not very romantic to think about, divorce is an extremely common source of financial loss. Completing a prenuptial agreement with your partner, which agrees on the division of assets beforehand, can help avoid it. Due diligence with lawyers is a must. A prenuptial agreement is only as good as the lawyer who wrote it. Make sure that you employ sharp and honest counsel. Retirement accounts, such as 401(k)s, are often protected from litigation (legal action, such as being sued) by the Employee Retirement Income Security Act. Furthermore, money in 401(k) accounts is also protected from creditors during bankruptcy proceedings. It is therefore a good idea to put as much into these designated retirement accounts as you can. A legal proxy is a person or entity that is authorized to act on your behalf. Forming a legal proxy, like an LLC or a corporation, can also be a good way to protect your assets. These legal entities protect the individual from personal liability if their company is found liable for some type of wrong, but this protection also goes the other way.  These corporate forms can be especially useful if the corporation owns your real estate holdings, instead of you as an individual.  A corporation is a common legal structure that can protect its owners' assets from litigation. Others include certain types of partnerships and limited liability companies (LLCs). One example of proxy would be if you owned an apartment building. Instead of having the building in your name, you would create a company that owns and manages the property. This would keep your financial assets separate from the company's financial assets. Then, if one of your tenants has an issue and wants to sue, they would sue your company and not you directly.  You can also create a trust or foundation to protect your assets from taxation and litigation, provided certain requirements are met. It is advisable that you work with an attorney and/or a financial planner to set up these structures. Life insurance can also be a great way to protect your money from litigation, as most life insurance policies are exempt from an individual's legal liability in many states. Also, buying any kind of insurance obligates an insurer to defend you in court if a litigant tries to go after assets contained in the policy. Since many umbrella policies cover items in excess of amounts in auto and homeowner's policies and losses not covered by either type, buying an umbrella policy can be a great way to shield money from litigants.
Summary:
Get a backup insurance plan. Create a prenuptial agreement. Feed your retirement accounts. Create a legal proxy, like a company. Buy life insurance.