The Milford Library will hold a program on retirement on Wednesday, Feb. 12 at 2 p.m.: It is called, \u201cRetirement Ready or Not.\u201d Jim Lambert, from First Choice Consulting, will discuss the following topics: \u2022 Mortgages - 15 year or 30 year? \u2022 Ways to save for retirement \u2014 pros and cons of each. \u2022 How can you be assured you won't outlive your assets? \u2022 What is the best financial strategy to improve your retirement assets? The presentation will answer questions for those who retired and those of you who hope to retire one day. \u201cWhether you are stressing about outliving your retirement money or wondering how to pay for your children's education and still save for your own future, this seminar will address your needs,\u201d Lambert said. The seminar is free.