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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 : Roth to Riches: The Ordinary to Roth Ira Handbook
Author : John D. Bledsoe
Rating : 5 Stars out of 5.
Summary : an excellent book for people evaluating their options

this book is an excellent resource book for ordinary people with large ira's who do not know what their options are or why they should consider a roth ira. It is a great way to check and balance the advice you are getting from other sources. I have utilized this book thoroughly with many of my clients.



Title : Age Power: How the 21st Century Will Be Ruled by the New Old
Author : Ken Dychtwald
Rating : 1 Stars out of 5.
Summary : More Dychtwaldian Drivel

There is nothing insightfull about this book! It's a compendium of information that is clearly available elsewhere. If the author is such an "expert" on the marketing of products to the ageing demographic one has to wonder why he can't keep any of his "Age Wave" businesses afloat. He's had a least two "Age Wave" businesses go under this year! The only thing this man knows how to sell is a book! Get advice from people with a proven track record, the authors is spotty at best.



Title : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 5 Stars out of 5.
Summary : A Miami widow's quirky odyssey of the heart.

Mrs. Ted Bliss is a widowed woman in a polyester pant suit living her last years in a Miami Beach condominium. When a local drug kingpin buys her dead husband's car, it triggers a remarkable chain of events that brings Mrs. Bliss face-to-face with the premises of her life as a dutiful wife. The authenticity that Elkin brings to Mrs. Bliss' inner dialogue and his characters' speech was so humorous and touching that I frequently had to collar somebody so I could read them the passages out loud. If you like to find the extraordinary in "ordinary" lives, if you have an ear for language, please give yourself and treat and pick up this book.



Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire: 6-copy Counter Display Pack
Author : Suze Orman
Rating : 1 Stars out of 5.
Summary : The math is wrong

The time value of money analysis in this book does not take into account that money has time value and thus the results of the studies Orman presents are biased in the wrong direction. Also the rate of inflation of 5% is too high based on current and past values. This also biases the results. It is funny to see the results of her long term care insurance policy analysis. According to Orman, the insured pays in $1,255 each year for 30 years and alternately if they had not taked the policy get no credit for the compound growth rate this money would earn had not they taken the policy. It makes a huge different that was not considered Also there is a chart that shows a comparison of 5% simple and compound interest on an inflation rider. Certainly, inflation is not a simple interest growth rate. The data of Orman's table make no sense whatsoever and certainly have no bearing on the long term care policy decision.



Title : Adventure of Retirement: It'S
Author : A. Guild Fetridge
Rating : 5 Stars out of 5.
Summary : Chock full of life transforming information - priceless!

Please read my one line summary.



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
Author : Christopher Howard
Rating : 4 Stars out of 5.
Summary : The content was great; I dropped a star for the editing.

I breezed through the book in an afternoon/evening and found it to be extremely informative and accurate based on my limited ten day stay in Costa Rica. The author presents both sides for those considering relocating to CR. It is a wonderful place to visit which motivated me to inquire what it might be like to live there.



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 : Must read for anyone concerned with his/her estate.

Superbly written. Easy to read. Explains, in simple terms, trusts, investments, estate taxes, and things you MUST know as long before you approach retirment. Lays out some things you can't afford not to do. Best $10-$15 you ever spent. Could return payment in thousands.



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. 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 ...

3. 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 ...

4. Postal-New Buyout and Early Retirement Rules
For many postal employees the big issue is early retirement, or buyouts. Or both. ... The chance to retire early, with a buyout. Bring it on, they say. ...

5. 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 ...

6. 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. ...

7. 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 ...

8. 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 ...

9. 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 ...

10. 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. ...

11. 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. ...

12. 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? ...

13. Smithsonian Institution Memo
either or both the buyout and early. out or voluntary retirement on or. before October 31, 2003 ... as part of the buyout process and choose to retire, rather ...

14. 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 ...

15. Ford To Offer Employees Buyouts, Early Retirement Packages
... announced it will offer buyout and early retirement packages to its hourly ... The automaker will offer buyout or early retirement packages to all of its 54, ...

16. 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 ...

17. cbs2chicago.com - 35,000 GM Workers Taking Buyouts, Early Retirement
About 35,000 hourly workers at General Motors Corp. have taken buyout or early retirement offers, surpassing the company's expectations as it tries to cut costs by ...

18. 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 ...

19. For Your Consideration: Early Retirement Buyout
Early retirement buyouts are becoming an increasingly popular means of ... Personal Finance Articles " For Your Consideration: Early Retirement Buyout ...

20. www.kansascity.com | 10/16/2008 | Ford offers buyouts at Claycomo plant ...
... Co. has expanded its ongoing buyout and early-retirement program to include the Claycomo plant. ... The latest early-retirement and buyout program was ...

21. Ford expands buyout, early retirement offers - Latest from the Ann ...
Ford expands buyout, early retirement offers. Footprints in the snow lead to suspected burglars ... it will offer buyout and early retirement packages to all ...

22. County likely to kill employee buyouts
In an attempt to control a "dire financial situation," Monroe County Administrator Roman Gastesi is recommending eliminating the Early Retirement Buyout Program from ...

23. Evaluating Buy-Out Packages
... you accept your employer's buyout offer? Financial and emotional issues ... lump sum or stretching it out over time severance or early retirement pay is ...

24. Chrysler offers buyout, early retirement plans to workers : US Business
DaimlerChrysler AG's U.S. automobile division Chrysler Group said Tuesday it has come to an agreement with its major union on a buyout and early retirement plan for ...

25. cbs11tv.com - General Motors Offering Buyouts, Early Retirement
More than 125,000 hourly workers of General Motors Corp. and auto supplier Delphi Corp. are being offered buyouts or early retirement to help cut hefty labor costs, ...

26. wjz.com - 35,000 GM Workers Taking Buyouts, Early Retirement
About 35,000 hourly workers at General Motors Corp. have taken buyout or early retirement offers, surpassing the company's expectations as it tries to cut costs by ...

27. wcco.com - 35,000 GM Workers Taking Buyouts, Early Retirement
About 35,000 hourly workers at General Motors Corp. have taken buyout or early retirement offers, surpassing the company's expectations as it tries to cut costs by ...

28. Buyout success puts GM ahead of job-cutting schedule - USATODAY.com
About 35,000 hourly workers at General Motors have taken buyout or early retirement offers, surpassing the company's expectations as it tries to cut costs by paring ...

29. 47,600 GM and Delphi workers accept buyouts and early retirement
General Motors announced Monday that 47,600 GM and Delphi workers have accepted buyouts and early retirement in the largest corporate downsizing in the history of ...

30. GM, Delphi, UAW set deal for troubled automaker to cut costs - Mar. 22 ...
... union leaders support the buyout and early retirement offers, they still have ... employees taking early retirement or the buyouts, GM will have to keep paying ...

31. GM, Delphi offer buyouts, early retirement - Boston.com
In one of the largest buyout programs ever, more than 125,000 hourly workers of ... will be eligible for early-retirement incentives or buyouts of between $35, ...

32. New Jersey Division of Pensions and Benefits
EARLY RETIREMENT INCENTIVE (ERI) 2008. FOR STATE EMPLOYEES ... This legislation provides an Early Retirement Incentive (ERI) program for ...

33. Ford expands buyout, early retirement offers - Muskegon Chronicle ...
Ford expands buyout, early retirement offers. Smart Car debuts in West Michigan ... Co. said today it will offer buyout and early retirement packages to 54,000 ...

34. 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 ...

35. Meridian Star - What to do if you're offered an early-retirement buyout
An early retirement can be an excellent opportunity or a ... What to do if you're offered an early-retirement buyout. Christmas Extravaganza. Religion News ...

36. cbs3.com - 35,000 GM Workers Taking Buyouts, Early Retirement
About 35,000 hourly workers at General Motors Corp. have taken buyout or early retirement offers, surpassing the company's expectations as it tries to cut costs by ...

37. Employment and buyout incentives [WorldCat.org]
Early retirement incentives -- United States. Citations: ... Officials and employees, Early retirement incentives, Salaries Contents: Running title. ...

38. 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 ...



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