It's a scary season, what with Halloween just around the corner, and some of the fears looming large in people's minds focus on retirement. So it's probably pretty appropriate that we tackle some of those fears head on, so to speak.

The Huffington Post addressed just that topic, pointing out five things people who are not yet retired can do to ward off at least some of the effects of what experts predict: that people's standard of living will fall during retirement, thanks to low savings levels and poor planning for the last stages of life.

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