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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 : How to Retire Rich: Time-Tested Strategies to Beat the Market and Retire in Style
Author : James P. O'Shaughnessy
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!!!



Title : The Golden Door to Retirement and Living in Costa Rica: A Guide to Inexpensive Living in a Peaceful Tropical Paradise
Author : Cristobal Howard
Rating : 5 Stars out of 5.
Summary : Great, Great Book!

My husband and I found this book to be a godsend. It helped make our move to Costa Rica a lot easier and answered a lot of questions we had. We saved time and money by reading it. Even after living in Costa we refer to it occasionally. It was highly recommended to us by the Costa Rican Residents Association.



Title : The Joy of Not Working: A Book for the Retired, Unemployed, and Overworked
Author : Ernie J. Zelinski
Rating : 2 Stars out of 5.
Summary : Big on inspiration, little on practical advice.

This book would be much more effective if it gave practical advice like 'Your Money Or Your Life'. There is little advice on how you get from one financial situation to the other and assumes perfect health (no reliance on health insurance)and diverse talents (able to get money only as needed). If you are in less perfect health, definitely give this book to a younger, healthier person.



Title : How to Enjoy Your Retirement: Activities from A-Z
Author : Tricia Wagner
Rating : 1 Stars out of 5.
Summary : Not relevant except in USA

Purchasers should be aware that this book only contains information relevant to those living in the USA.



Title : The Baby Boomer Financial Wake-up Call: It's Not Too Late to Financially Secure!
Author : Kay R. Shirley
Rating : 1 Stars out of 5.
Summary : This book does not cover enough real-life scenarios.

This book if fine if you have had the time and opportunity to put money aside for retirement.

It does not even touch upon those of us who are married for the second time, are basically just starting out all over again with nothing in the bank and no retirement packages at work and who are paying astronomical amounts in child support and will be until we are a hair away from retirement. How are we supposed to amass any money when the "ex" gets it all?

WE are the people who need the help. WE are the people who will be living on a very "fixed" income while the ex-wife will be living in security using the child support money for her retirement.

I'm totally disgusted.



Title : A Peaceful Retirement
Author : Miss" "Read
Rating : 4 Stars out of 5.
Summary : Another gentle and charming book from my favourite author

A change in direction with not only retirement but marriage proposals as well for my most loved fictional character. With all of the Fairacre books, a book I have read over and over - only with particular sadness as it appears that this may be the final book. I found the illustrations a bit off putting - part of my love of Miss Read's books are due to J Goodall's beautiful illustrations - not that these are bad, just not what previous readers may be used to. My only complaint is that it is too short!



1. Danish Government Presents Plan to Maintain an Extensive... | Article
04-APR-06 - JAN M. OLSEN The government on Tuesday said Denmark's retirement age should be raised by two years to 67 to help sustain the country's... | Free With Signup

2. Denmark
and nine in ten (90%) of the youngest age group. Globally, early retirement is not an option many ... expect to miss colleagues once they retire but just ...

3. The Effects of Pension Programme Incentives on Retirement Behaviour in ...
In Denmark the official retirement age of 67 (from 2004 it will be 65) is high in an ... retire through PEW in the Danish system. However, at retirement age 67, ...

4. Modeling the Impacts of Incentives on Retirement using Micro-data: Denmark
In Denmark the official retirement age of 67 (from 2004 it will be 65) ... to retire through PEW in the Danish system. However, at retirement age 67, accrual ...

5. Turkish president steps in over retirement age rise - European Pensions ...
Denmark. Estonia. Finland. France. Germany. Greece. Hungary. Iceland. Ireland. Italy. Latvia ... to President Sezer, a retirement age of 65 is unfair because ...

6. Nordic Seminar on Labour Market Statistics 2005 Session 4: Retirement ...
in Denmark which is practically synonymous with the Danish early ... retirement on efterløn until they are 62. If you retire on efterløn at the age of 62 you ...

7. The Employers Forum on Age
... existing lawyers are all likely to retire at the same time the countries were ... In Denmark mandatory retirement age below 65 set out in a collective agreement ...

8. Retirement Patterns in Denmark
Concluding remarks The retirement age in Denmark has dropped to 61. If surveys ... elderly workers who voluntarily retire earlier than the official retirement age. ...

9. People's Daily Online -- Denmark reviews retirement age
A website by the People's Daily newspaper; China, business, world, science, ... The retirement age should be raised to 66 in 2023 and 67 by 2025 from the ...

10. Retirement age hikes ripple across the globe - 05 Dec 2007
The age of retirement is rising across the world as governments react to ... Denmark will increase the NRA age for men and women from 65 to 67 between 2024 ...

11. Heyday takes Government to court over mandatory retirement age ...
... retire at or after 65 and will be able to refuse to recruit anyone ... organisations across the world, including AARP in the US and Dane Age in Denmark. ...

12. Future of retirement
how are people in Denmark planning, preparing and. investing for their retirement? ... Overall, across the age groups, government is seen ...

13. New age discrimination laws to come into force on 1 October 2006 - Help ...
... people to retire at 65. The concept of an enforced retirement age should be ... Denmark introduced age discrimination laws in 2004, which are very similar to ...

14. Social Security Programs Throughout the World: Europe, 2006 - Denmark
... early retirement pension: Aged 60 to 65 (age 67 for those who reached age 60 ... Family allowances: The child must be younger than age 18 and reside in Denmark. ...

15. Age Concern launches 'Heyday' to meet the needs of the modern retiree ...
... backed by Age Concern to support people approaching or in early retirement. ... organisations across the world, including AARP in the US and Dane Age in Denmark. ...

16. Old Age, Disability and Survivors
... retirement from the labour market is most common in Denmark ... people in work may retire on certain terms before the statutory retirement. age of 67 years. ...

17. DENMARK
... before marrying Sigrid, as a first marriage at the age of about ... She seems to have spent the last years of her life in retirement in Winchester[221] ...

18. Statistics Denmark
Engelsk Forside - Engelsk Forside ... in retirement by unemployment insurance fund, retirement, age and sex ... in per cent by employment status, age and sex ...

19. AARP International: Ireland
... to: Austria, Belgium, Denmark, Finland, France, Germany, Greece, ... Active Retirement Ireland. Age & Opportunity. ALONE. Irish Senior Citizens Parliament ...

20. AARP International: Finland
Statutory retirement age, Note: statutory retirement age is the age at which a ... Related to: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, ...

21. CIPD pushes government to scrap mandatory retirement age after... by ...
CIPD pushes government to scrap mandatory retirement age after... by Jobs from Jobs 2 seek ... approaching retirement may fear that they will be forced to retire as ...

22. Denmark State Bank ... Where Customers Send Their Friends
Choosing your retirement or education savings plan is an important decision. ... An individual who attains the age of 50 before the close of the taxable year may ...

23. Economy of Denmark - Wikipedia, the free encyclopedia
... to TV2 (Denmark), January, 2008, around 700,000 in the working age group ... before retirement from the age of 65 receive 120% of their pre-retirement income ...

24. Marriage in Thailand
Either of them should not be less than 17 years of age. ... Home | Visa | Retire | Marriage | Business | Own Property | Long Stay | Thai ...

25. Retirement Age? Who needs one! by Jobs from Jobs 2 seek
... how can forcing people to retire at a certain age make good business sense if it ... There is no official retirement age in the UK, yet some companies are still ...

26. What is legal?
In Denmark, the legal retirement age is 65 years. ... you cannot retire before you turn 67. The actual average retirement age is 61-62 ...

27. Social Security Programs Throughout the World: Europe, 2008 - Denmark
Partial early retirement pension: Aged 60 to 65, residing in Denmark, employed full ... allowances: The child must be younger than age 18 and reside in Denmark. ...

28. Dawning of a new retirement age - Opinion - smh.com.au
What is the right age to retire? Good question - and one to which the right answer is likely to change before too long, writes Ross Gittins. - Sydney Morning Herald ...

29. Wikipedia: Denmark
Features a hyperlinked, in-depth profile of Denmark, the smallest Nordic country in Scandinavia. Includes information on Danish history, politics, geography, ...

30. INDIGO cards | Home
Retirement. Sorry. Sympathy / Thinking of You. Thank You. Thank You ... when buying our stock, to have an idea of the age of our customers." Address* Post Code ...

31. Bad News For Age Campaigners
... have lost the latest round of an EU legal battle to ban the compulsory retirement age in the UK ... have allowed employers to force workers to retire at 65. ...

32. Flexibility in retirement age provision
deferred retirement have on the age at which individuals choose (or are compelled) to retire. ... Cyprus, Denmark and Lithuania Member States report the ...

33. Online Recruitment - Rise in retirement age would mean more red tape ...
Rise in retirement age would mean more red tape for employers - Online ... expect to retire at 65. Many wish to continue to work beyond this age · Look at ...

34. Online Recruitment - Retirement Age? Who needs one!
Retirement Age? Who needs one! - Online Recruitment with Onrec.com ... how can forcing people to retire at a certain age make good business sense if it ...

35. The Pension Service - State Pension - State Pension deferral - What ...
Information on State Pension, formerly known as retirement pension, from The Pension Service, part of the Department for Work and Pensions, UK.

36. EMIRE: DENMARK - PENSION
The age at which people retire has lowered in recent years, partly as a result ... opt to move onto the early retirement allowance from the age of 60 (see above) ...

37. Average ages for retirement in the main European countries
... to pay into the system in order to retire with full benefits. ... DENMARK. The legal age for retirement is 67, provided the person was 60 prior to July 1, ...



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