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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 : 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 : Bankroll Your Future: Retirement with Help from Uncle Sam: How Government Perks and Policies Can Help You Preserve Your Income, Your Healthc
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : Great book! Easy to understand, no-nonsense financial tips.

I enjoyed this book a great deal. Finally, an easy-to-follow guideline for those of us who might be overwhelmed by our future financial affairs. I bought copies for several friends.



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 : 1 Stars out of 5.
Summary : Great book--if you lack common sense

This book is great if are planning on traveling to Costa Rica as a tourist for a short amount of time; however, it really does not emcompass the complexity of moving or investing in a foreign country. Don't be fooled--this book lacks substinative information on starting a business in Costa Rica, other than the overarching message that "Not everything in the States will work in Costa Rica." Oh, really? My other favorite section was "How to Find a Nice Girl." After "interviewing hundreds of quality Costa Rican women" the author managed to whittle through the unrespectable, poor, uneducated women who were only after him for his money and find a nice girl. I guess the real shame is that he wasn't able to complete this process through a mail-order catalog.



Title : The Bond Book
Author : Annette Thau
Rating : 5 Stars out of 5.
Summary : Excellence is the word for this book.

I think this one of the best books of bonds I ever read, It will help you to understand the risks involving dealing with bonds and the quite complex world of the bond market, basic reference for professionals as private investors.



Title : Rich Dad's Retire Young, Retire Rich: How to Get Rich Quickly and Stay Rich Forever! (Rich Dad)
Author : Robert T. Kiyosaki
Rating : 5 Stars out of 5.
Summary : More great ideas, more great context - huge value for money

This fourth book in the main series follows through the logical progression from 'taking care of your business' to retiring and doing what you want to do full time. Some people in the UK may find Robert Kiyosaki's American enthusiasm and repetitive writing style a bit hard to take - just stick with it and realise that making money is something that Americans do better then us! Others may say that you 'can't do those things here' - may I suggest to them that they need new advisors as I have not had any problems in implementing these ideas. I would read 'Rich Dad Poor Dad' and 'Cashflow Quadrant' before this book - could be a bit much at once otherwise.

The big gain from this, as with all the books, is the sense of challenge and attitude that comes across. Combined with the specific ideas for action and areas to think about Robert is able to lead you towards acheiving your financial goals, whatever they are.

Retiring before 45 is a dream that most us share, but few think is possible. I would rate these four books as being of equal value in helping me to be on track to reach this goal (despite having started at 31 years old), as my MBA. The MBA tells me how, Rich Dad helps me think of why, when and what.

The true value of these books is really demonstrated by their life expectancy on my book shelf at home. I have leant a number of copies of Rich Dad Poor Dad to friends and family, none of which have ever been returned! Since then my sister is now starting her own company and writing a book and friends have made some very profitable moves into property investment. None of these people, including myself, talked about such things before reading Robert's books.

Buy this book. Read it. then hide it and re-read it every few months - if you don't you will probably find that it disappears and those close to you start to have more money in their pockets!

A real delight.



1. City Teachers Offered Early Retirement Incentives | Article
22-MAR-07 - Pueblo City Schools teachers will have an opportunity to save some of their younger teachers a lot of anxiety and get a valuable bonus... | Free With Signup

2. Lambeth Teacher with Lambeth NUT
that is the National Union of Ex-Teachers (Early Retirement Section) ... Q. If a teacher takes early retirement before 1 April 1997, will it be possible ...

3. Retirement - Wikipedia, the free encyclopedia
In 2007, retirement age for teachers in France is thirty eight years after ... Retire Early's Safe Withdrawal Rates in Retirement ...

4. Reeves Independent - early retirement, teachers pensions, teaching pensions
( teachers, teachers pensions, teaching, teaching pensions, early retirement, retirement early ) ... Independent Financial Advice Property Football Club ...

5. Early retirement incentive programs : an appraisal. [WorldCat.org]
English Book Publisher: Washington, D.C. : National Education Association, ©1978. ... States, Early retirement, Teachers, Planning, Retirement, Pensions, Education ...

6. Teachers Retirement System
this early retirement, and notify his employer by. no later than ... of the service and the resulting early retirement. Teachers Retirement System of Georgia ...

7. Teacher Support Network
Being granted early retirement by your employer on the grounds of efficiency' ... Any teacher contemplating early retirement, for whatever reason, should seek the ...

8. Hampshire County Council
... 6 1 JULY 1997 TEACHERS' EARLY RETIREMENT SCHEME REPORT OF THE DIRECTOR ... election the government introduced new regulations for teacher early retirement. ...

9. Up And Down In The Dales by Gervase Phinn | Tesco Books
Buy Up And Down In The Dales by Gervase Phinn for only £6.94 at Tesco.com. Tesco's has thousands of other books for you to get stuck into, all at great prices

10. Education Week: Early Retirement: Teachers Win Benefits With 'Political ...
... due to budget cuts, teachers in Minneapolis negotiated a provision into their contract that would allow teachers with 15 ... An early-retirement bill supported ...

11. City and County of Swansea - Council to open negotiations with teachers ...
Swansea Council is to push forward negotiations with teacher trade unions on the issue of early retirement and redundancy payments to teachers.

12. Circular PEN 06/03 - Early Retirement Scheme for Teachers, Retirement ...
Where a teacher applies for retirement under both Strands 1and 2, the Early ... 10.1 Acceptance by a teacher of early retirement under Strands 1 and 2 of this ...

13. What You Need to Know About Teacher Retirement
It may seem odd to ask someone just beginning a career to think about retirement. But it is never too early and information is available to help you make informed ...

14. Circular PEN 16/04 - Early Retirement Scheme for Teachers, Retirement ...
... professional difficulties to apply for early retirement will be ... A teacher's attention could be drawn to the early retirement option by the managerial ...

15. ARKANSAS TEACHER RETIREMENT SYSTEM - Early Retirement
Early retirement with a reduction in the benefit formula allows an active member ... Early retirement benefits are calculated using the benefit formula, then ...

16. Michigan teacher Retirement
Retirement Calculator helps teachers manage their spending from ... Take A Retirement Early Withdrawal Without Penalty. Investment Financial Calculator ...

17. Twice as many teachers retiring early - Telegraph
The number of teachers taking early retirement has almost doubled in seven years, new figures have revealed. ... early retirement are head teachers, ...

18. 15-DEC-04 | Fence Post
Price: $4.95 | Story and editorial missed key elements Your recent article and editorial on the early retirement option (ERO) offered by the Illinois Teacher...

19. Teacher Retirement Services
Retirement Calculator helps seniors manage their spending from ... Take A Retirement Early Withdrawal Without Penalty. Investment Financial Calculator ...

20. RUDY: VETO TEACHER EARLY RETIREMENT BILL
Mayor Giuliani yesterday urged Gov. Pataki to veto a bill that would allow 6,000 city school teachers to take early retirement just as the school system is ...

21. State Teachers' Retirement System Early Retirement Incentive Program
STATE TEACHERS' RETIREMENT SYSTEM. Cost Analysis Report. EARLY RETIREMENT INCENTIVE PROGRAM ... that the STRS Early Retirement Incentive Program resulted in a ...

22. EARLY RETIREMENT ON GROUNDS OF HEALTH
... advice is that a teacher contemplating early retirement on health grounds should ... ON GROUNDS OF HEALTH. GUIDANCE FROM THE NATIONAL UNION OF TEACHERS ...

23. State Teachers' Retirement System Early Retirement Incentive Program
STATE TEACHERS' RETIREMENT SYSTEM. Cost Analysis Report. EARLY RETIREMENT INCENTIVE PROGRAM ... Controller's Office conducted a cost analysis of the Early Retirement ...

24. Teachers Expect Early-Retirement Offers - washingtonpost.com
D.C. Schools Chancellor Michelle A. Rhee plans to offer an early-retirement program this year that could spur an exodus of hundreds of veteran educators who are ...

25. Teachers taking early retirement up nearly 50% - Times Online
The number of teachers taking early retirement in England has almost doubled in ... Teachers taking early retirement up nearly 50% Alexandra Blair, Education ...

26. Retirement Teacher Humor | acethecset.com
If you are giving a retirement speech for a teacher, or you are a teacher retiring yourself, here are a few good ... but he made up for it by leaving early" ...

27. 401k Early Retirement
Retirement Calculator helps seniors manage their spending from ... The Truth About Michigan Teacher Retirement. Excel Spreadsheet Mortgage Calculator ...

28. Urbana School District 116
... year to 10% of those teachers who are eligible for the Early Retirement Option. ... upon the statutory Early Retirement Option, the teacher with the greatest ...

29. Hi, I am... [Archive] - Early Retirement Forums
Early Retirement Forums > General > Hi, I am... PDA. View Full ... New Guy - with question for Teachers. Newbie! "Agonizing" over ER until it's no longer E. ...

30. New York teacher Retirement
Retirement Calculator helps seniors manage their spending from ... Take A Retirement Early Withdrawal Without Penalty. Investment Financial Calculator ...

31. Retirement Options for Second Level Teachers
... teacher applies under both Strands I and Strand II the Early Retirement Advisory ... of cost-neutral early retirement in the case of teachers (other than new ...

32. Regulations - Teachers' Pension - Nova Scotia Teachers' Early ...
This page contains a full text consolidation of the 'Nova Scotia Teachers' Early Retirement Program (1994-98) Regulations' consolidated by the Nova Scotia Registry ...

33. GOV NIXES TEACHER EARLY OUT MEASURE
ALBANY Gov. Pataki yesterday vetoed an early retirement bill for city teachers, saying it "threatens to cause an imminent exodus of experienced teachers"as the ...

34. Superannuation arrangements for Australian teachers and their impact on ...
provide any great inducement for early retirement. A minority of teachers in the scheme ... teachers have provisions favourable to early retirement ...

35. THE EARLY RETIREMENT INCENTIVE PLAN (ERIP)
laws governing the Teachers' Retirement Board (TRB) permit ... retirement incentive plan for teachers/administrators whereb ... Early Retirement Incentive Program. ...



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