Toner Buying Guide. Toner is the dry powder used in laser printers, laser fax machines and photocopiers that forms the text and images on the paper. Info About Toner. The term toner refers to the dry ink plastic powder used to print by printers, copiers and fax machines that use a laser printing process.
When the modern notion of retirement was first articulated near the end of the nineteenth century, the designated retirement age of 65 was longer than the life expectancy at the time. Over the last 50 years, the average retirement age declined steadily; in the United States, Great Britain, and Canada, the average retirement age is currently around 62. Meanwhile, life expectancies have increased, leaving more years for leisure.
Retiring at the minimum or earlier retirement age can pose certain drawbacks. For each year a federal employee is younger than 62 years old, his or her benefits will be reduced by five percent. This is if the employee has given between 10 and 30 years of service. There are different options for early retirement, though these are usually due to an agency restructuring of some kind.