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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 : The 401(k) Millionaire: How I Started with Nothing and Made a Million and You Can, Too
Author : Knute Iwaszko
Rating : 5 Stars out of 5.
Summary : Just Great!

I write as a retired individual who started investing toward the end of my career. When I was young I was advised to save $20 a month, but to someone who was earning $27.50 a week it was not in the cards. Much later when my company came out with a plan to match up to 10% of my contribution I started saving. Unfortunately travel enticed me more and I routinely dipped into these funds. With all of this, I was still, in retrospect and un-knowingly, following his plan. It does work. Too bad for me, that I did not have sufficient discipline and was not satisfied with reading about "Far-away Places". All in all, everything worked out for the best. Give it a chance and you will be very pleased with the results. Way to go Knute!



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 : 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 : Sell Up and Sail: Taking the Ulysses Option (Sailmate S.)
Author : Bill Cooper
Rating : 5 Stars out of 5.
Summary : A complete must for the dreamer or realist!!

I gave this as a gift to an experienced sailing couple who want to sell up and sail. It is their complete dream and the book takes them through the reality - step by step!

I've been told it covers every aspect of sailing and would be a bible for the serious planner -

.... and hopefully will be enough to fuel the fire as they are the in-laws and I want them to sail off and take the kids with them!!!

(I'll let you know .....!)



Title : General Washington's Christmas Farewell: A Mount Vernon Homecoming, 1783
Author : Stanley Weintraub
Rating : 5 Stars out of 5.
Summary : It takes chaos to invent a new order

Let's start on a personal note: I was in Cuba in January 1959, when the brutal dictator Fulgencio Batista fled in the middle of the night and Fidel Castro began making his way across the country to Havana.

The Cuban celebrations of the collapse of tyranny and terror were much like the events described in this book, a continuing rum-fueled celebration that lasted days and days in a nation at last free after years of terror. Castro made a triumphal procession across the country as a godlike liberator, just as Washington was hailed as the greatest man of his times. It is nice to celebrate the end of a war -- think of George Bush strutting across the flight deck of an aircraft carrier, wearing a borrowed flight suit with the banner 'Mission Accomplished' in the background. But, freedom is much more; it generates an ecstasy that stirs every emotion the heart, not merely the limited glory of victory, but also an unbounded hope for a better and brighter future without fear, fright or futility.

Washington, with a knowledge and wisdom rare among revolutionary leaders, went back to his farm. The ultimate tribute came from King George III, who personally knew something about the temptations and dangers of power, when he said that if Washington actually did return to his farm "he will be the greatest man in the world."

Think of Cuba today had Castro retired to a little rancho and learned how to cut cane instead of crushing gusanos. In Haiti, Jean Bertrand Aristide should have gone back to the priesthood after he tossed out the Duvalier regime. The list of "liberators" who seize power and try to impose their own rules is almost universal; Washington patterned his retirement after the Roman hero Lucius Quinctius Cincinnatus "who, victorious, left the tented field, covered with honor, and withdrew from public life, to enjoy civium cum dignitate."

Unlike Cincinnatus, who was twice recalled from his farm to become dictator, Washington was recalled from his farm only to establish an enduring legacy of democracy. It is a rare quality. Weintraub describes those perilous times with painful detail.

Painful? It was a time of chaos in America, much to the satisfaction of the English who thought the independent colonies would collapse of internal confusion. Congress was even flakier then than now. A third of Americans were loyalists who had supported King George; Washington understood the power of reconciliation rather than the retribution of describing anyone who had not supported him as an enemy.

In 1783, Washington kept urging greater power for the central government. He could have become dictator and imposed his own regal solution; instead, he stepped back and let the people and Congress, however slow in their many imperfections, gradually work out the system that now exists. Everyone was slow to listen, waiting until 1787 to even begin writing a new Constitution. But, after trying all other solutions, they finally listened to Washington. The old boy may have had wooden (or ivory) teeth, but there was no wood between his ears.

Weintraub has written a masterful book outlining the chaos, confusion and cupidity of the time; explaining how from the primordial soup of American independence a resolute democracy emerged. This book helps explain the resolute independence of the American spirit, nicely summed up by a departing British officer, "These Americans are a curious, original people; they know how to govern themselves, but nobody else can govern them."

It was a wonderful tribute to an exceptional people, and this book nicely explains the mood of the times.



1. Australian referendum, 1977 (Retirement of Judges) - Wikipedia, the ...
... the Constitution so as to provide for retiring ages for judges of federal courts. ... a growing community belief in a compulsory retiring age for judges ...

2. European court rejects challenge to compulsory retirement age - 23 ...
Bright Partnership, Chartered Accountants, Manchester. Welcome to the Bright ... of employers to set a compulsory retirement age for workers has suffered a ...

3. European court rejects challenge to compulsory retirement age
Usher Spiby & Co, Chartered Accountants Manchester, Denton, Ashton, Stockport, Oldham and Stalybridge - provide audit and ... a compulsory retirement age for ...

4. Age equality campaigners lose legal battle over compulsory retirement ...
... stage in their legal battle to banish the compulsory retirement age in the UK. ... Age equality campaigners lose legal battle over compulsory retirement age " ...

5. European court rejects challenge to compulsory retirement age
European court rejects challenge to compulsory retirement age. 23 September 2008 ... of employers to set a compulsory retirement age for workers has suffered a ...

6. Compulsory Retirement Age | Home Office - Police
On 1 October 2006 new compulsory retirement ages (CRAs) coem into effect for police officers. ... New Compulsory Retirement Ages - Equality Impact Assessment ...

7. Retirement, dismissal and redundancy | Age Concern England
This page will tell you all about the new retirement and dismissal procedures. ... Around one third of employers have a compulsory retirement age. ...

8. Compulsory Retirement and Age Discrimination
Accredited 30 minute CPD podcast on compulsory retirement and age discrimination with Richard O'Dair ... the National Council on Aging) v The Secretary of ...

9. Compulsory retirement age setback - Filey Mercury
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

10. Age FAQs
... agrees that compulsory retirement ages are a form of direct age discrimination. ... in the Age Regulations for compulsory retirement is inconsistent with ...

11. Age Homepage
... with whether or not it is legal for a State to have a compulsory retirement age. ... challenge as the ECJ ruled that compulsory retirement ages may be lawful. ...

12. Compulsory retirement ages could be scrapped within four years - to ...
Compulsory retirement ages could be scrapped to save money, the Work and Pensions Secretary has said. John Hutton ... raise the retirement age for existing ...

13. Age Concern campaigners lose compulsory retirement battle | Money ...
European court rejects claim that compulsory retirement age breaches equality rights ... The compulsory retirement age in the UK is set at 65. Photograph: Sean Smith ...

14. Setback in battle against compulsory retirement age - Times Online
... battle to banish Britain's compulsory retirement age.A preliminary legal opinion ... in battle against compulsory retirement age. Frances Gibb, Legal ...

15. Good practice - Retirement - Age Positive
It means those employers can set a compulsory retirement age at 65 or above. ... employee to work past the compulsory retirement age (whether 65 or higher) as ...

16. `Raise Retirement Age of MAS Stewardesses' | Article
12-JUL-03 - is still keeping its fingers crossed that Malaysia Airlines will review the compulsory retirement age for stewardesses. Its deputy... | Free With Signup

17. Compulsory retirement age setback - Grantham Journal
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

18. Compulsory retirement age setback - Hebden Bridge Today
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

19. European ageism ruling could change UK law on retirement | OUT-LAW.COM
... of an age pressure group appealing against UK retirement laws, according to an ... the Spanish case said that compulsory retirement ages did come within the scope ...

20. Compulsory retirement age setback - The Star
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

21. Compulsory retirement age setback - Arbroath Today
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

22. Ministry of Manpower | The Retirement Age Act
The Retirement Age (RA) Act covers all employees who are Singapore citizens and ... The Act does not legislate compulsory retirement; neither does it prohibit an ...

23. Channel 4 - News - Compulsory retirement age setback
Compulsory retirement age setback. Print this page. Last Modified: 23 Sep ... stage in their legal battle to banish the compulsory retirement age in the UK. ...

24. Age 2006 - Are You Ready? - Home
Age 2006 - Everything you need to know about the Employment ... 16/03/07 Age Discrimination Cases Rise. 25/02/07 Council Ends Compulsory Retirement Age ...

25. The Heyday challenge and the compulsory retirement age
... challenge and the compulsory retirement age. Time to Train consultation ... case deals with the issue of retirement ages and whether or not the exception in ...

26. Compulsory retirement age upheld by ECJ
... laws do not overrule national compulsory retirement legislation. ... The ECJ held that imposing retirement at the age of 65 can be justified where it ...

27. Compulsory retirement age setback (From Worcester News)
Compulsory retirement age setback. 2:38pm Tuesday 23rd September 2008 © Press Association 2008 ... battle to banish the compulsory retirement age in the UK. ...

28. Compulsory retirement age setback (From Campaign Series)
Compulsory retirement age setback. 1:38pm Tuesday 23rd September 2008 © Press Association 2008 ... battle to banish the compulsory retirement age in the UK. ...

29. Acas - Age discrimination
... Employment Equality (Age) Regulations 2006 covers people of all ages it is ... The default retirement age is 65, making compulsory retirement below 65 unlawful ...

30. Setback in battle against compulsory retirement - Europe, World - The ...
... age equality today lost a key stage in their legal battle to banish the compulsory retirement ... in battle against compulsory retirement. By Geoff Meade, PA ...

31. Compulsory retirement age setback - Wigan Today
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

32. A new compulsory retirement age for CF members is here! Canadian ...
As of July 1, 2004 the compulsory retirement age (CRA) for members of the CF ... Forces are examining the need for changes to their mandatory retirement ages. ...

33. Compulsory retirement age setback - Driffield Post
Compulsory retirement age setback - Campaigners for age equality have lost a key stage in their legal battle to banish the compulsory retirement age in the UK.

34. Wikipedia: Retirement
... article on retirement that describes what it is, the retirement age, support and ... In this latter case, subscriptions might be compulsory or voluntary. ...

35. Compulsory retirement at 65 can stay, EU court indicates - Telegraph
Age equality campaigners have lost the latest round of a legal battle to ban compulsory ... argued that a fixed retirement age is not necessarily contrary to ...



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