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It would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.

Yet...many retirees are living out their retirement on the breadline without much hope for even going on holiday without being assisted by relatives or even handouts. Don't let yourself be one of them...it's never too late!




Title : Cashing in on the American Dream: How to Retire at 35
Author : Paul Terhorst
Rating : 5 Stars out of 5.
Summary : Fifteen Years Later, They're Still Retired

This book, along with Your Money or Your Life, changed our lives. By following the advice outlined in these two books, we were able to quit our jobs in our forties and pursue other interests. We have been free of the daily grind for over four years now, thanks in part to Paul Terhorst, Vicki Robin and Joe Dominguez (authors of YMOYL).

In a conversational style, Terhorst explains how he realized his job was sapping the life out of him, and how he used his skills as an accountant to devise a plan that would enable him to retire at 39 years of age. Unfortunately, the specific financial advice he gives (invest in high-yield certificates of deposit) is no longer possible. But number-crunching is not the most important message that Terhorst has.

Cashing in on the American Dream advocates a no-nonsense approach to determining just what you want in life. Do you want to be free of working for others? Then it might mean giving up your car and dinners out. But it doesn't have to mean giving up what you really love (or need). Terhorst and his wife, Vicki, have been retired almost twenty years now and have spent much of it traveling the world. They have health insurance abroad, because it's cheaper than U.S. insurance (where we still have no national health insurance), and better.

The Terhorsts have their own website and I like to check in on them once or twice a year. The fact that they have made their plan work all these years is more important than any advice they have. Cashing in on The American Dream is an inspiring book. If they could do it, why can't you?



Title : Get a Life: You Don't Need a Million to Retire Well
Author : Ralph E. Warner
Rating : 4 Stars out of 5.
Summary : A common sense approach to planning for retirement.

This book should be required reading for people in their 30's and 40's. It emphasizes keeping active, having a wide variety of interests, and developing friends of all ages. It's a good antidote to all those financial planners who try to make you feel guilty about not having "X" millions of dollars invested so they can make commissions off your money. A good gift for middle age yuppies.



Title : The Bond Book
Author : Annette Thau
Rating : 5 Stars out of 5.
Summary : Highly Recommended!

This is an accessible introduction to bonds by a financial professional whose first book - as unlikely as it may seem - was a study of Max Jacob, the French poet. The literary background of the author, Annette Thau, may account for her book's clear, easy-to-read style. Most authors who write about bonds tend to get lost in the complex mathematics and specialized jargon of the bond markets. Not Annette Thau. Whether you are an individual investor trying to balance your portfolio with bonds, or a student of finance looking for a more lucid explanation of the subject than you can find in your textbooks, we highly recommend this book to you.



Title : The New Golden Door To Retirement And Living In Costa Rica: A Guide to Inexpensive Living, Making Money and Finding Love in a Peaceful Tropical Paradise (New Golden Door to Retirement and Living in Costa Rica)
Author : Christopher Howard
Rating : 3 Stars out of 5.
Summary : Great Book!

Hi, I am working at ILISA Language Institute in Costa Rica, San Jose and I just want to say that this book helps our student a lot by giving them helpful tips or by arrange their own travel in Costa Rica. Thanks!



Title : It's Never to Late Too Get Rich: The Nine Secrets to Building a Nest Egg at Any Age
Author : Jim Jorgensen
Rating : 5 Stars out of 5.
Summary : Full of great information with a little humor!

This personal finance book, just published by US personal finance guru, Jim Jorgensen, is most useful. Although many references deal with US tax and retirement issues, I really enjoyed the sound financial principals he expounds. His investing principles, are universal. I would recommend it to any Brit. Americans living in UK, this is a must-buy.



Title : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 4 Stars out of 5.
Summary : One of the best all round books on retirement planning!

As a Certified Financial Planner, I recommend this book to many of my clients who are seriously planning their retirements. Warner has done a great job putting things in the proper perspective with a book that is an "easy read". While adequate money is important to a satisfactory retirement (and helping clients build a satisfactory net worth is how I make my living), I do find, as has Warner, that there are more important things such as health, friends, and a purpose (i.e., reasons to get up in the morning) when it comes to planning out one's retirement. I frequently ask clients what they plan to do when they retire. When they say "go fishing" or "play golf", I then ask them what they plan to do the second week/month/year. And I keep asking the question until they realize that its a serious one. Warner takes it further with discussion and clear examples. In short, a must read for anyone approaching retirement.



1. Voluntary Buyout, Early Retirement Offers Present Tough... | Article
13-MAY-01 - When Rosel Patton, 48, was offered an early retirement package from the company where she had worked for 24 years, she suffered... | Free With Signup

2. More Than 100 Post Journalists Take Buyout - washingtonpost.com
More than 100 Washington Post reporters, editors, photographers, artists and other journalists will take early retirement packages offered by the company as a way to ...

3. Chrysler to offer more workers buyouts, early retirement - USATODAY.com
Chrysler said Friday it will make another round of early retirement and buyout offers to factory workers in the Detroit area to reduce the number who are on ...

4. Washington Post Staffers Take Early Retirement - washingtonpost.com
... editors, photographers and newsroom administrators have taken early retirement offers from The Washington Post Co., as ... in the industry as a "buyout," was ...

5. Ford expands buyout, early retirement offers | AccessNorthGa
Ford expands buyout, early retirement offers. By The Associated Press ... said Thursday it will offer buyout and early retirement packages to all 54,000 ...

6. PostalReporter.com Blog " Bogus USPS Early Out Retirement Letter Making ...
... Civil Service Retirement System (CSRS) an early out or a buyout by December 2008 ... And finally a "BUY OUT"; Like the REAL EARLY OUT PLUS an added bonus ...

7. ConsumerReports.org - Should you grab that buyout offer?
... following report includes expert consumer advice and recommendations on buyout offers. Also included are tips on early ... months, early-retirement packages ...

8. TheStar.com | Business | Ford expands buyout, early retirement offers
The Toronto Star ... Co. said today it will offer buyout and early retirement packages to all 54,000 ... first round of buyouts would be offered immediately ...

9. Early Retirement with a Buyout: Accepting a Retirement Benefit Package ...
Your employer offers you an early retirement package. What should you do? ... Permission to republish Early Retirement with a Buyout in print or online must ...

10. Should You Take a Buyout?
Early retirement buyouts can be an interesting option for those who are sure ... So, how do you know whether or not to take a an early retirement buyout offer? ...

11. Taking a Buyout to Leave a Job You Love - Planning to Retire (usnews.com)
A 'Washington Post' editor shares his reasons for taking early retirement. ... What made you decide to accept the early retirement offer? ...

12. Lucent offers early retirement to 10,000 - vnunet.com
Lucent Technologies is offering voluntary buyouts or early retirement to more than 10,000 US managers as part of the struggling telco's accelerated restructuring ...

13. Retirement - Wikipedia, the free encyclopedia
User-created article on retirement that describes what it is, the retirement age, support and funds, as well as life after retirement. Includes some related links.

14. Security Mutual Life - Retirement: What To Do If You're Offered An ...
Retirement Planning. What To Do If You're Offered An Early Retirement Buyout ... firings is to offer a buyout package that strongly encourages early retirement. ...

15. HomePage
The Emotional Side gives emotional support to those who have recently taken a buyout/early retirement and information about the emotions involved in the transition ...

16. 4,312 Chrysler workers take buyout, early retirement - USATODAY.com
USATODAY.com Latest News ... Early retirement and buyout packages were offered to eligible employees at ... The early retirement package, for eligible UAW ...

17. DispatchPolitics : City examines buyouts, early-retirement plansi ...
... yesterday that they're exploring early-retirement and buyout offers, potentially ... Buyouts and early-retirement offers have high costs upfront, and savings ...

18. Defense Department plans to shed up to 25,000 civilian employees (1/13 ...
The Defense Department will offer buyouts and early retirement to up to 25,000 ... of employees offered buyouts and early retirement incentives must not exceed ...

19. EPC Group of Companies: Severance, Buy-out, Incentive, Retirement ...
EPC is the nation's leading firm in the implementation and administration of early buy-out severance plans for all types of employers.

20. Early retirement? Why it pays to stay - Sep. 8, 2008
Companies are dangling buyouts before older workers, but the packages are rarely enough to ... Most retirement buyouts have two parts: severance, usually ...

21. Retire Early - AOL Money & Finance
Retire early: how to leverage your company buyout package to sail into an early retirement. ... Much Severence? Perhaps you weren't planning to retire early. ...

22. Chrysler Group Offers Buyouts, Early Retirement Packages To 13,000 ...
... Group</a> on Monday offered buyout and early retirement packages to about 13,000 ... Chrysler Group Offers Buyouts, Early Retirement Packages To 13,000 ...

23. The Early Way Out (5/26/06) -- www.GovernmentExecutive.com
75 percent of early out offers include a buyout of up to $25,000. ... Accepting a buyout with early retirement is a commitment to retire. ...

24. When to Accept a Buyout
While some companies are freezing their pension plans, others, like General Motors, are using early-retirement incentives as a way to trim their workforce and cut ...

25. ABC News: Ford Offers Buyouts, Early Retirement to 54,000
Ford Offers Buyouts to 54,000 Workers ... Ford Motor Co. will offer buyout and early retirement packages to 54,000 U.S. ... GM Offers Buyouts to 46,000 ...

26. GRB Seminars & Courses
... (and the buy out), including the advantages and disadvantages of early retirement. ... early out or discontinued service retirement with or without a buy out. ...

27. Roanoke Times announces voluntary employee buyouts - Roanoke.com
... Friday morning, Publisher Debbie Meade said some will be offered voluntary buyouts ... Early retirement incentives and other reductions have occurred lately at ...

28. Postal Early Out Retirement 2008
Postal Early Out Retirement, VERA, VER - A Web site connecting U.S. Postal employees to postal news and information, ... buyouts to anyone taking early ...

29. YouTube - General Motors Alumni - Retirement, Early Buyout, Layoff
http://LifeAfterGM.com/This is a place for former GM employees to discover old friends, career ideas, and what life can be like after layoff, retirement, or ...

30. Many workers sitting pretty after buyouts - Seniors Finances - Senior Site
... workers sitting pretty after buyouts - Seniors Finances, Money, Investment, Retirement, Senior,Seniors,Senior Citizen, ... offered early retirement or buyouts. ...

31. ABC News: Chrysler to Offer More Workers Buyouts, Retirement
Chrysler says it will make more buyouts, early retirement to clear out laid-off workers ... another round of early retirement and buyout offers to factory ...

32. Posts tagged Early retirement at Autoblog
Tags: buyouts, early retirement, EarlyRetirement, ford, ford factories, ford ... Tags: buyout, early retirement, EarlyRetirement, firing, layoffs, lump sum, ...

33. Delphi offering buyouts, early retirement - Autos- msnbc.com
Delphi Corp. will offer workers buyouts of up to $140,000 and other payments in ... Retirement benefits for workers age 50 and above with at least 10 years of ...

34. Review to probe fallout from Frederick buyout - wtop.com
... external review of an early retirement buyout program probably will not change ... who organized the early retirement plan and took a buyout package, also was ...

35. Making early retirement possible - MSN Money
Retire early knowing you've got it made. How to retire on a wounded portfolio. When to accept a job buyout. Insurance is a must if you retire early ...

36. Plan
Early Retirement Buyout. Corporations and public sector employers sometimes want to encourage. early retirement. So they offer certain employees a buyout package. ...

37. Five factors to consider if you get a job buyout offer | RetirementRevised
... the older employees get going-often with a voluntary buyout package in tow. The economy is in its worst shape ... voluntary early retirement buyout packages ...

38. GM, Delphi Offer Buyouts, Early Retirement - CBS News
GM, Delphi Offer Buyouts, Early Retirement. DETROIT, Mar. 23, 2006 (AP) ... workers sign up for buyouts or early retirement, their operating costs would drop ...

39. GM To Offer Buyout, Early Retirement Packages To All 74,000 UAW Workers ...
... another round of buyout and early retirement packages with increased incentives ... GM To Offer Buyout, Early Retirement Packages To All 74,000 UAW Workers, ...



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