Retirement is the time when becomes more critical, as we may not be earning wages. it is the lifeline of survival.

cash flow

Explanation:

According to my research on living necessities, I can say that based on the information provided within the question what becomes most critical is the cash flow. When a person retires they are no longer working, therefore there is no cash coming in unless the have a retirement fund are are getting paid a retirement income by the government. Cash Flow is a necessity in order to survive.

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for many centuries there were important factors which the economies of the muslim empires developed increasingly. they applied economic procedures in production, investment, finance, taxation and property. they used to tax certain goods (for example: harvest), they charged interest on money lent, they signed contracts with merchants; they relied on a common currency, and they used checks as well as promissory notes. with the money collected by means of taxation, the government provided the needy with an income. in addition, trading networks covered huge distances, so far regions started to have contact and exchange goods. this trade network covered areas of asia, africa and europe.

muslims have taken his goods and products to different parts of asia an indonesia. sometimes just traveled and trade, but in other occasions, stayed in the place and made a living.

trade was the key for muslims economies to prosper. their commerce routes reached far places like malaysia and java in the 11th century.

another important factor for prosperity was that muslim states served as the middle point for european traders.

they used to travel by land but sailing the seas -the indian ocean- really increase the exportation of products.