SESSION OBJECTIVES
    At the end of this discussion, participants would be able to among other things;
     appreciate the fact that there is life beyond the Bench 
     plan and prepare for the post-service years 
     develop the capacity to identify and effectively utilize 
     investment opportunities around them
     generate business ideas and evaluate their viabilities 
     translate business ideas into profitable products or services 
     outline entrepreneurial qualities and characteristics
     identify causes, symptoms and remedies to business failures 
     develop requisite capacities needed to successfully manage 
     their investments 
                            INTRODUCTION
            Naturally, Life after the Bench or Retirement from service 
             should  be  a  time  of  leisure,  fulfillment  and  self-
             rediscovery.  However,  it  has  been  a  time  of  unwanted 
             socio-economic challenges for some retirees, while  some 
             retirees  have  even  turned  their  life  long  hobbies  into 
             successful  enterprises,  and  others  have  also  used  the 
             opportunity to commence the business of their dreams. 
            To some prospective retirees, retirement from service is so 
             scary due to the fear of the unknown; what to do, how to 
             do it; where to do it and even when to start. They even 
             falsify  their  age  and  tell  all  forms  of  lies  in  order  to 
             remain in service. Many even resign in despair and hardly 
             ever recover again. 
        DEFINITION OF TERMS
     LIFE AFTER THE BENCH OR RETIREMENT, is the 
      stage of stopping from work, because you have reached a 
      particular age, or spent a certain number of years.
      (Oxford Advanced leaner’s Dictionary 2010)
     Retirement means withdrawals from one’s regular routine 
      or habitual career, position, business or active working 
      life.
     Retirement Planning is the strategy one adopt in facing 
      and managing the challenges of retirement life. It involves 
      all that will guarantee ones security and happiness during 
      the gold age of the post-service years.
   
    Business:- is any activity that is aimed at earning income 
    or profit while producing a product or rendering a service 
    that is capable of satisfying the needs of others.
   
    Entrepreneur:- is an individual who has the zeal and 
    ability  to  identify  and  evaluate  business  opportunities, 
    and mobilize resources to take sequential and systematic 
    steps   towards  utilizing  the  advantages  of  such 
    opportunities.
   
    An Entrepreneur:- is a calculated risk taker for socio-
    economic personal benefits.
     ENTREPRENEURSHIP
    Entrepreneurship is the term used broadly in connection with
    the innovation and creation of modern industrial business
    leaders. It is being defined by reference to the function of an
    entrepreneur as the man or woman who perceives business
    opportunities and take advantage of the scarce resources to use
    them profitably and productivity.
      WHO IS AN ENTREPRENEUR
   AN Entrepreneur is an individual who has the zeal and ability 
    to
   Find and evaluate opportunities, gather resources, take
   sequential and systematic steps towards utilizing the 
    advantages
   of such opportunities. (Entrepreneurs are calculated risk 
    takers).