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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 : Get a Life: You Don't Need a Million to Retire Well
Author : Ralph Warner
Rating : 5 Stars out of 5.
Summary : My favorite retirement book.

Lawyer/consumer advocate Ralph "Jake" Warner thinks the popular advice that implores Americans to save piles of money for retirement is hugely exaggerated. Jake urges us to have built a life worth living by middle age, and tells the stories of seniors who have done just that. He offers advice on many issues, such as deciding what a reasonable nest egg should be and developing a healthy lifestyle. This book will help you find your way to a more fulfilling retirement, while it eases your current stress level.



Title : The Joy of Not Working: A Book for the Retired, Unemployed, and Overworked
Author : Ernie J. Zelinski
Rating : 5 Stars out of 5.
Summary : This book should be required reading for everyone over 15!

Everyone should read this book as soon as possible -- not just the retired, the unemployed, and those otherwise without work. Even though this book confirms my beliefs of making the most of life and leisure, Ernie still manages to make me think some more. I have recommended this book to many of my family, friends, and former (since I have quit the corporate life too!) colleagues. Ernie makes it clear that there is more to life than a job, TV, and materialistic dreams. I'm buying 5 copies to give to family and friends!
Ron Verstappen



Title : Non-Resident Offshore Tax Planning
Author : Lee Hadnum
Rating : 5 Stars out of 5.
Summary : Great read for people thinking of moving abroad

I found this book extremely useful. We have been considering a permanent move to Spain, and although I was aware that this move could have favourable tax implications for us, I didn't know just how much we would save or how many options were open to us. The examples used made things much clearer to me, as I had been struggling to get my head around some of the more complicated tax matters involved. A real eye-opener, thanks.



Title : You'Ve Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 4 Stars out of 5.
Summary : Excellent book

People spend their entire lifetimes working to amass wealth, but forget about protecting it. I bump into people every day who still think a will is enough---ENT! I also recommend Financial Self Defense and More Wealth without Risk by Givens. Suze's book is newer, but Givens offers techniques that work well with the information in this book.



Title : How to Retire Rich
Author : James O'Shaughnessey
Rating : 2 Stars out of 5.
Summary : Reasonable runaways - Best way to lose big monies!

Mr. O'Shaughnessy outlines several of his investment strategies and in particular his "reasonable runaways". If you look at his numbers AND factor in costs of establishing a similar group of stocks (something he neglects to do)the SP 500 is the clear winner.

A VERY IMPORTANT piece of investing advice that Mr. O'Shaughnessy advises against is the use of stop-limit orders in his portfolios. By neglecting to use this very important investment tool, you open yourself up to huge losses in the very questionable turnaround stocks that have just been run up in price. Most of these WILL go down and many they will go down big and not recover. Take the advise of someone that has been watching (and burned very badly) by taking his advice and not using stop-limit prices, USE THEM IF YOU EMPLOY THIS VERY RISKY STRATEGIE!!!

If you look at ANY of his mutual funds, you will clearly see that the performance of all of his funds badly trails the SP 500. His expense ratios are also out of line to the high side, something that he warns against in this book.

The three pieces of advice that are of any value in the entire book are to establish a plan, stick to it, and, if 87% (or so) of mutual funds (including his) do not match the performance of the SP 500, why are you investing in anything other than the SP 500?

Good luck to all!!!



1. Turkish Cabinet Discusses Retirement Age, Health Issues... | Article
Turkish Cabinet Discusses Retirement Age Health Issues Istanbul Meeting Ankara ... meeting lasted 3 hours 15 minutes State Minister Deputy Prime Minister Turkish ...

2. Turkish president steps in over retirement age rise - European Pensions ...
Baltic States. Belgium. Czech Republic. Croatia. Denmark. Estonia. Finland ... out that statistics from the State Statistics Institute (DIE) indicate that ...

3. Exclusive interview with State Minister Mehmet Ali Irtemcelik No ...
Exclusive interview with State Minister Mehmet Ali Irtemcelik No compromising on retirement age ... July 26, 199926 July,1999, Copyright © Turkish Daily News ...

4. Turkish Weekly Comment - International Retirement Migration in Turkey
One half of men and one third of women now retire before the state pension age. ... the main reasons for migrants to Turkey from western and northern Europe states ...

5. In fear of 3:02 a.m... Rights Groups, Jurists Say Law is Unfair When ...
In fear of 3:02 a.m... Rights Groups, Jurists Say Law is Unfair When Can the Retirement Age Be Reduced? The Week in Perspective

6. Future of retirement
Increase retirement age. Raise taxes. Reduce state pensions. Don't know. Turkey Global ... Turkish respondents in the pre-retirement generations ...

7. Controversy Over Rising Retirement Age Heats up in Germany | Business ...
... to be able to continue to retire in the future at 65 years of age," he said. ... retirement on reduced pension rates in order to save millions in state ...

8. No such thing as full-time retirement Australian government moves to ...
... official retirement age and the eventual abolition of all state responsibility ... 2005, the eligible age for people born after 1960 to retire and access a lump ...

9. Retirement - Worldnews Network
... older workers approaching retirement age say they are ... State of North Carolina Awards 457(b) Contract to Prudential Retirement. Insurance Newsnet ...

10. Aid News
United Nations Secretary-General Condemns Taliban Attack on Turkish Press ... Fewer children dying before age five, says Unicef The Guardian ...

11. Ageism - Wikipedia, the free encyclopedia
Age discrimination in hiring has been shown to exist in the United States. ... In the US, each state may have its own laws regarding age discrimination. ...

12. The Future of Retirement - the new old age - A gender perspective
Whilst 20% of Turkish. men and around 30% of Saudi Arabian men ... retire when they reached pension age. In reality, only half of retired French men ...

13. Pension - Wikipedia, the free encyclopedia
... common type of retirement plan in the United States and many other western ... These assumptions include the average retirement age and life span of the ...

14. BBC NEWS | Europe | Guide to Europe's pension woes
The official retirement age at present for women is 55, for men 57 plus a ... a result, the age at which Britons can claim the state pension will rise ...

15. Turkey Retirement Property
... in the EU you can have your state pension paid to your Turkish bank account ... medical service which, if you're of retirement age and drawing a pension, is can ...

16. Facing Retirement, German Mayor Fights to Keep His Post | Germany ...
... in February -- the mandatory retirement age in the state of Rhineland Palatinate. Different strokes for different states ... Turkish. Ukrainian. Urdu ...

17. Sensara Benalmádena - Retirement in Spain
... retirement resort designed for people who believe that age is a state of ... state-of-the-art spa with a heated indoor swimming pool, gym, sauna, Turkish ...

18. Romario announces his retirement - CNN.com
Brazil striker Romario brought his controversial playing career to a close when he announced his retirement at the age of 42.

19. No title
Retirement. Main Page. Turkish. TÜSAD - TBV. eTR Prizes e-State Category. Accomplishment Prize 2003 ... retire whenever they want regardless of their age. ...

20. NewsNow: Europe
Age Concern loses EU retirement age case Yahoo! - Europe 18:05 ... Merkel defends state's veto power at Volkswagen Xinhua Online - Europe 16:56 ...

21. Turkish unions protest retirement change - UPI.com
Turkish unions have announced plans for a short strike and massive demonstration to protest a plan to raise the retirement age.

22. UNITED NATIONS CONVENTION ON THE RIGHTS OF THE CHILD INITIAL STATE ...
age who paid premiums for 15 years is entitled to partial retirement pay upon their application. ... the Turkish Civil Code sets the completion of the ...

23. Property for sale in Spain. Villas, apartments and properties for sale ...
... in an exclusive retirement resort overlooking the Spanish Mediterranean, designed for people who believe that age is a state of mind, at any time of life. ...

24. BBC NEWS | Europe | German MPs raise retirement age
German MPs vote to raise the retirement age to 67 from 65, to reduce the ... in 1964 or later will have to wait until they are 67 to collect a state pension. ...

25. REFORMING THE TURKISH PENSION SYSTEM:
minimum retirement age, a ruling of the Turkish Constitutional Court (or the Supreme ... or YES in Turkish) which will diminish the involvement of state but ...

26. Global Finance TV
Global Finance TV from the most comprehensive global news ... The end of a gilded age ... America Disaster Financial Photos States. Retirement on a pizza slice ...

27. Equity Private
Equity Private from the most comprehensive global news network ... to foreign state bidders ... a gilded age. US at a turning point. Retirement on a pizza ...

28. Application for Canadian Old Age, Retirement and Survivors benefits ...
had contributed to the Canada Pension Plan or the Turkish social security system (from the ... of the city, town or village; the province, state or territory; ...

29. Survey predicts more people working past state pension age - Pensions News
... people could work beyond the state retirement age in the next five to ten ... 55-64 who work that are unsure if they can retire at their state pension age. ...

30. ILO ANKARA: Trade Unions Act
... leaves employment to receive old-age, retirement or disability benefits or lump ... contrary to the form of the Turkish State; to its fundamental principles of a ...

31. ageism: Definition from Answers.com
Many state and local minimum wage laws mirror such an age-based tiered minimum wage. ... Age discrimination in hiring has been shown to exist in the United States. ...

32. EU nations have right to impose retirement on elderly: court ...
An EU state has the right to impose a compulsory retirement age on its workers who have earned the right to a full pension, the European Court of Justice ruled Tuesday.

33. Asia Times Online :: Asian news hub providing the latest news and ...
"Rogue state" Iran has embarked on a whirlwind of diplomacy across the Caucuses ... Effectively, the Black Sea is now a Russo-Turkish playpen. ...

34. Property in Northern Cyprus. FAQ - Travel, Accomodation, Economy ...
For a holiday retreat or a retirement home, prices are still relatively low. ... of the Turkish Federated State of Cyprus proclaimed the Turkish Republic of ...

35. homeinretirement, homeinretirement resources
retirement REVIEW. homeinretirement. Online homeinretirement resources and information ... would be great if we could all retire with a nice portfolio of savings and ...

36. Making Age Work for London
a half are below the state retirement age, we cannot afford to ... people in London, for instance Polish people,Turkish and Greek. Cypriots and Eastern Europeans. ...

37. The generation that can't afford to retire because of soaring debt ...
Soaring levels of debt among those in their late 50s and early 60s means many will have to keep on working long after their retirement age

38. Turkish Culture Portal : Glass Art
... originally paid by the Guild Fund, but later by the State. ... of their old-age and retirement rights, and their insurance, and foundations were established. ...

39. European Voice | News, analysis and comment on EU affairs
Turkish, Armenian and Azeri ministers to hold their first ... Advocate-general defends compulsory retirement age. Practice does not amount to discrimination. ...

40. Longer life may mean later retirement - Expatica
State retirement ages worldwide look set to increase, spurred on by the twin pressures of increasing social security costs and lower mortality rates.



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