1.   He said the company probably will also use the money to cut jobs through a voluntary retirement scheme.

2.   They need to ensure that they have some kind of retirement savings scheme in place.

3.   A number of phased retirement schemes have come on the market to enable people to stagger the purchase of their annuities under their pension arrangements.

4.   And it stops short of turning Social Security into a properly funded retirement scheme in which benefits are linked either to contributions or to investment performance.

5.   Intelligent use of retirement schemes such as individual retirement accounts are valuable tools.

6.   Saving may be encouraged with bigger tax breaks for retirement schemes.

7.   The Danish Bankers Association criticized the government for not making any more real savings by reforming early retirement schemes.

8.   Polish train engineers, demanding pay raises and early retirement schemes, said Tuesday they will go on strike at midnight after breaking off negotiations with the government.

9.   Polish train engineers, demanding pay raises and early retirement schemes, said Tuesday they will go on at midnight after breaking off negotiations with the government.