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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 : 5 Stars out of 5.
Summary : Illuminating!!!

A must read for anyone who cares about their financial future. The cloud of confusion that shrouds Wall Street has been blown away. Finally, a simple, easy to understand investment guide that gives actionable advice. Forget about the 5,000 mutual funds that consistently underperform the market. Forget about this year's genius or this year's hot fund. Follow a discipline and stick to it through thick or thin. Thanks, O'Shaughnessy. This book summarizes everything I've learned about investing over the years, but, of course, not yet acted upon. That will change. ----Three things to count in life: death, taxes, and dismal stock market returns without an invesment strategy!----



Title : Moving Mom and Dad!: Why, Where, How, and When to Help Your Parents Relocate (Revised)
Author : Sarah Morse
Rating : 4 Stars out of 5.
Summary : Extremely helpful in my late middle age for my own life plan

A wonderful humorous yet serious book about a hard subject for all of us; even those of us who have already lost our parents. I especially enjoyed the delightful illustrations.

B. C. Taber/ Marlborough, MA



Title : One World, Ready or Not
Author : Wil Greider
Rating : 3 Stars out of 5.
Summary : Take two aspirins, don't call me in the morning


A man goes to his dermatologist to have an ugly mole removed from his neck. He returns one week later to have his stitch removed.

"The good news is, you won't have any scar," the doctor says. "The bad news is, you'll be dead in six months."

Though many people criticize Mr. Greider's conclusions, few -- even eminent scholars -- can say why. They admit most of his facts are correct (damning with faint praise) without saying which facts are wrong. They provide simplistic parables about the economics of hot dogs and buns without benefit either of logic or evidence. In short, most of Mr Greider's "critics" seem more culpable than Greider of the crimes against intellectual integrity of which they accuse him.

Let's simply stipulate that Mr. Greider is like Ralph Nader, a Cassandra. Let's stipulate further that he is histrionic even paranoic. Let's simply rest with "the facts".

What we have left is the picture of a global economy in ICU, surrounded (a) by technicians who are not monitoring high performance, but failing vital signs; (b) by FedEx boxes for shipping body parts.

Had the world not already experienced an economic death but 70 years ago, we might dismiss Greider's prognosis.

So, his facts are worrisome; but, not as troubling as his prescriptions. He doesn't think it inevitable that the patient has to die because the "government" can somehow "keep it going" with a different IV solution, tracts to bolster the spirits of the patient's next of kin, and specific instructions to other governmental and cultural caretakers.

He doesn't satisfy me that he understands that we are not simply in another industrial revolution, but a post-industrial evolution. Yes, the whole world is changing, as it has several time before in the last 100,000 years -- but what comes from that process will be far better -- and simpler -- than what is now becoming ruins.

So, Mr. Greider gets full credit for research, and no credit for insight. Therefore, a 5.

--John Grassi



Title : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 5 Stars out of 5.
Summary : Well written and comprehensive - you'll rely on it!

This concisely written book covers every aspect of aging and retirement. It is well indexed to find just the topic you need, when you need it. I especially appreciate the health and fitness information. Having just turned 50 myself, this book was the most valuable gift I received! I expect to refer to this book for sound advice many times in the course of my upcoming years.



Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Very specific, useful info for BIG retirement decisions.

Orman provides very specific information and advice that you will not find unless you shell out big bucks to a financial advisor. For example, Orman tells you how to take money from your IRA before age 59 1/2 with NO PENALTY (substantially equal periodic payments), but adds VERY IMPORTANT advice on how to structure the portfolio to protect the nest egg. Another example of very specific, useful info includes the chapter on long-term care which gives instuctions on how to determine if you need LTC insurance, how much to buy, when to buy, what kind of company to buy from, etc.

The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.



Title : Adventure of Retirement: It'S
Author : A. Guild Fetridge
Rating : 3 Stars out of 5.
Summary : This book was very helpful - though not an eye-opener

The author is very thoughful and knows the subject well. I bought this book for my parents and hope the situation is the same or better when I retire.



Title : The Peanut Butter Murders
Author : Corinne Holt Sawyer
Rating : 3 Stars out of 5.
Summary : the characters are interesting but the puzzle is faulty

i have enjoyed this series because of ms holts characters but i found the puzzle was simplistic and and easy to solve...i much prefer agatha christie for a more challanging puzzle



1. UPDATE: Advocate General opinion on Spanish case on mandatory ...
... retirement age stipulated in social security legislation and meets all the ... in the Spanish context is closely tied to entitlement to the state pension. ...

2. Why retire at 60?
Spain. 65. 62+ Germany. 65. 61+ Italy. 65. 60+ Belgium. 65. 59+ France. 60 ... those aged between 50 and the state-pension age in Britain, 30% or 2.7 million ...

3. The Employers Forum on Age
... age in employment, ageism, demographics, age laws and regulations, retirement, ... Austria, Czech Republic, Latvia, Lithuania, Portugal and Spain ...

4. The Pension Service - International Pension Centre - Country guide
Links to information on pensions, saving for retirement, pensioner organsiations from The Pension Service, part of ... UK State Pension Age and still living in ...

5. Description of the U.S.-Spanish Social Security Agreement
... self-employed and reside in the United States or Spain, you generally will be ... RETIREMENT OR OLD-AGE BENEFITS. UNITED STATES. SPAIN ...

6. What is legal?
... you can receive a state pension, the average retirement age for both men and ... In Spain, the general rule is for people to retire at the age of 65. This is the ...

7. Retirement
Planning for retirement. Money in retirement. State pension. About to retire ... Age friendly cities - World Health Organization (WHO) Retiring to Spain ...

8. Helsingin Sanomat - International Edition - Home
The age is the lower limit for the Finnish state retirement pension. ... Payroll administration in Espoo will be replaced by recreation on the Costa del Sol in Spain. ...

9. Pensions & Wills
If you are planning on spending your retirement in Spain then it is vital that you make ... aware that the state pension age and entitlements may ...

10. Healthcare - Factsheets - Buy property in Spain with Viva Estates
... to buy a property in Spain is that its healthcare is among the best in Europe. The excellent state SALUD system is one ... not yet reached retirement age, you ...

11. Spanish Retirement Property From BuySpain
... Spain has much more to offer you in comparison to the people of retirement age ... Predominately in our own Spanish sunshine states of Costa del Sol and ...

12. Property in Spain - Parador Properties High quality and affordable ...
... constitutional monarchy comprising 17 independent states, ... At the age of 42 and 54, the Russells aren't typical candidates for retirement... read more...

13. Retirement Villas and Aparments in the Sun. Houses with Investment Value.
... move to Spain from a country in the EU you can have your state pension paid to ... Spain has an excellent medical service which, if you're of retirement age and ...

14. Pensions - Living in Spain - Tailormade Retirement Village Spain
... when you retire, you will still be able to claim your State Pension. ... and settle in another country before reaching State Pension age, then you will ...

15. Old Age, Disability and Survivors
in connection with old age, disability, early retirement from the labour mar ... Member State, or in another country with which a social-insurance convention has ...

16. Factsheet : Exportable benefits
You can continue to receive your British State Pension while you live in Spain. ... age (currently 60 for women, 65 for men) but not receiving a State Retirement ...

17. Guide and background to UK State Pension. Links to useful sites and ...
... Pension. Including who is eligible and how to claim. Calculate your state retirement age. ... Romania, Slovakia, Slovenia, Spain and Sweden plus Iceland, ...

18. British Expats Association (Spain) - Benefits List
... receives a pension from more than one State upon their reaching retirement age. Note however that the age of retirement can vary in differing E. U. States. ...

19. Pensions - Basic State Pension | UK State Pension
STATE PENSIONS. State pension age. Basic state pension. Additional state pension ... When you retire, you usually give up your retirement savings in return for a ...

20. European ageism ruling could change UK law on retirement | OUT-LAW.COM
They noted in particular that in Spain compulsory retirement can only take place ... when deciding at what age to fix retirement in local employment contracts. ...

21. Visa for Spain: Spanish Student Visa, Retirement Visa, and Holiday ...
... financial resources ( Bank accounts in Spain or the United States, investments, ... She is well under retirement age but I now receive an addition to my OAP. ...

22. The Pension Service - International Pension Centre - Frequently asked ...
... to information on pensions, saving for retirement, pensioner organsiations from The Pension Service, part ... The increase in the State Pension age will not ...

23. Welcome - Locations in the Sun
... are younger than state pensionable age, are planning to say in Spain for up to 2 ... Are you of State Retirement age or older? Form E121 ...

24. Why Murcia
The excellent state SALUD system is one of the best in Europe, far outperforming ... If you're under the retirement age and on a short visit to Spain from the UK, EU ...

25. Take the pain out of expat health costs - Telegraph
... countries, people working in Spain who pay into the state social security system ... Access to the state system in Portugal is free for those over retirement age. ...

26. Online Recruitment - Retirement Age? Who needs one!
Retirement Age? Who needs one! - Online Recruitment with Onrec.com ... of people aged 50 to State Pension Age has increased by 6.9 percentage points, ...

27. BBC NEWS | Europe | Guide to Europe's pension woes
In March, the German parliament voted to raise the retirement age from 65 to 67 ... Spain's pension system has been in a state of almost continuous reform since the ...

28. Key facts | Age Concern England
Migration and retirement ... pensions are paid are; Australia" United States" Canada" Spain and New Zealand. ... children and they often move in early old age. ...

29. BEALS ESTATE AGENTS HAMPSHIRE ENGLAND
... in Spain and receiving a State pension from the UK are entitled to ... If you are of retirement age in receipt of a State pension, you can apply for an ...

30. Healthcare in Spain, Spanish healthcare system explained
... there is no right to state medicine in Spain for a foreigner, (unless on holiday ... up until the age of their retirement, when everything, including the cost of ...

31. Retirement migration: the other story
third of women now retire before the state pension age, for many this is ... population of people over retirement age includes people who have lived in Spain ...

32. ImageState
Offers royalty free and rights protected imagery featuring business, lifestyles, nature, sport, ... rights managed images from AGE Fotostock have been uploaded ...

33. 10,000 Finns Will Reach Retirement Age in September
The age is the lower limit for the Finnish state retirement pension. ... Payroll administration in Espoo will be replaced by recreation on the Costa del Sol in Spain. ...

34. Mercatornet: UK to shake up retirement scheme
However, the state retirement age of 65 has entered the national consciousness ... as Italy and Spain; and there is a steady stream of immigrant workers who help ...

35. Social Security: Definition from Answers.com
In 1961 men were allowed to take early retirement at age sixty-two (with lower ... of Old Age Security: Class and Politics in the American Welfare State. ...

36. Which U.S. States Are the 'Oldest'? - Population Reference Bureau
While southern states are regarded as retirement magnets, states in the ... The differences in states' age profiles are determined primarily by fertility ...

37. 8634 Pensions Principles 1st
of men aged 50 to State Pension age. fell from 84 per cent in 1979 to a low ... The default retirement age will be. formally reviewed five years after ...



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