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Online teacher early retirement resources and information

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 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 : "This Books is my Right Hand"

This book is my Right Hand, as manager of the Residents Association of Costa Rica (ARCR), I have found that newcomers sometimes seem to know more about Costa Rica than people living here just because they read this excellent book.



Title : Discounts and Good Deals for Seniors in Texas: The Best Bargains and Deals from Abilene to Zavalla for Ages 50 and Up
Author : Sylvia Spade-Kershaw
Rating : 5 Stars out of 5.
Summary : Excellent, layout is very good and easy to use

Contains information I was not able to find anywhere else. In my opinion, Sylvia did a very thorough research on this subject. I found the information to be very complete. The only exception is one grocery store in Georgetown that offers senior discounts of 5% on Wednesdays. This was offset by at least 12-15 discounts that were new to me. The book is very well organized. It provides listings by type of discount and location (city or town). It exceeded my expectation!



Title : The New Golden Door to Retirement Living in Costa Rica
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 : How to Retire Rich
Author : James O'Shaughnessey
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 : 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 : 4 Stars out of 5.
Summary : Excellent book

People spend their entire lifetimes working to amass wealth, but forget about protecting it. I bump into people every day who still think a will is enough---ENT! I also recommend Financial Self Defense and More Wealth without Risk by Givens. Suze's book is newer, but Givens offers techniques that work well with the information in this book.



Title : Your Retirement Masterplan: How to Ensure You Have a Fufilling and Enjoyable Third Age
Author : Jim Green
Rating : 5 Stars out of 5.
Summary : Such a Detailed Guide!

I finished reading this book at 4am this morning and felt I had to write and say thank you for such a detailed guide to retirement. I shall read the book again and recommend it to my friends.



1. 30pc of Teachers Might Take Early Retirement | Article
02-MAR-04 - Linda Yeung A survey has found that 30 per cent of primary school principals and teachers are inclined to opt for the early retirement... | Free With Signup

2. Lambeth Teacher with Lambeth NUT
that is the National Union of Ex-Teachers (Early Retirement Section) ... present time, if a teacher is granted early retirement either on the grounds of ...

3. Article: "Time To Scrap Teachers' Early Retirement Plan."
12/2004 "Time To Scrap Teachers' Early Retirement Plan." Credit Card Req'd - Free Trial. Academic Journal Articles, Magazine Articles, Newspaper Archives and more at

4. Retirement - Wikipedia, the free encyclopedia
(Redirected from Early retirement) Jump to: navigation, search ... In 2007, retirement age for teachers in France is thirty eight years after ...

5. early redundancy retirement teacher, early redundancy retirement ...
a teacher is granted early retirement either on the grounds of redundancy or in ... Thousands of teachers take early retirement every year, leaving with a ...

6. 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 ...

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

8. 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 ...

9. BBC NEWS | Education | More teachers are retiring early
The number of teachers in England taking early retirement is rising steadily, government figures show. ... Early retirement in the private sector has also ...

10. 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 ...

11. 15/97 Early Retirement Arrangements for Teachers - Summary of contents
... announced decisions on changes to the early retirement arrangements for teachers. ... Teachers (Compensation for Redundancy and Premature Retirement) ...

12. Teachers Expect Early-Retirement Offers
They also said she has made disparaging remarks about veteran teachers. ... The teacher said she would take the early-retirement offer and probably apply ...

13. Early retirement incentive programs : an appraisal. [WorldCat.org]
Teachers Pensions United States States. Teachers United States Retirement... States, Early retirement, Teachers, Planning, Retirement, Pensions, Education ...

14. Circular PEN 22/05 - 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. 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 ...

16. 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, ...

17. Circular PEN 22/05 - Early Retirement Scheme for Teachers - Application ...
... the provisions of the early retirement scheme for teachers as set out in ... teacher will be eligible for early retirement in accordance with the conditions ...

18. Early Retirement
The joys, challenges, and some practical aspects of retiring young. ... Volunteering as a teacher has proven very rewarding for many early retirees. ...

19. House of Commons Hansard Written Answers for 17 Apr 2007 (pt 0012)
Teachers: ... of teachers in the leadership group have taken early retirement in each of ... was that many more teachers took early retirement in 1997 than in ...

20. Early Retirement Strands Update
TUI, the Teacher's Union of Ireland - The Public Sector Teachers Union ... the continuation of the Early Retirement Scheme for Teachers for another year. ...

21. Teachers Voluntary Early Retirement and Voluntary Severance Scheme 2006/07
The early retirement scheme, which is without enhancement of pension, may ... for early retirement under the Teachers' Superannuation Regulations; or two ...

22. 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...

23. 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 ...

24. Early Retirement Advice
... retirement planning services - online retirement analysts ... On average, a teacher lives just 18 months past retirement. Learning is essential to life. ...

25. PROFESSIONAL STAFF EARLY RETIREMENT INCENTIVE PLAN
... less expensive teachers. Staff choosing not to retire early will ... To be eligible to participate in the Early Retirement Incentive Plan a teacher shall: ...

26. Medmark4teachers :: Ill Health Retirement Assessments
... to retire early due to being permanently medically unfit for the job ... If the teacher wishes to apply for ill health retirement they must contact the ...

27. 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 ...

28. Entries from DCist tagged with 'earlyretirement'
... teachers with long service to the district opportunities to retire early with full benefits. ... Fenty, DCPS, early-retirement, Education, Michelle Rhee, ...

29. NUT on the Web
More teachers taking early retirement, study shows ... of secondary school teachers taking early retirement has increased by 93 ...

30. GOV NIXES TEACHER EARLY OUT MEASURE
... vetoed an early retirement bill for city teachers, saying it "threatens ... action in vetoing the teacher early retirement bill," Schools Chancellor Rudy ...

31. Early Retirement - University of Wisconsin System Employee Benefits
ARE YOU CONSIDERING EARLY RETIREMENT? If you've been thinking about early retirement, this question and answer guide ... For general employees and teachers: ...

32. Study: Teachers lured to retire early - UPI.com
Many pension plans for U.S. teachers have marked spikes when the payout increases sharply, sending many teachers into early retirement, two researchers say.

33. Lambeth Teacher with Lambeth NUT
... urge caution from our members wishing to jump at speed into early retirement. ... the NUT's demands for effective and affordable provisions for early retirement. ...

34. RETIREMENT BILL ON HOLD NO EARLY-OUT FOR TEACHERS
A new bill that could lead to the retirement of thousands of veteran city teachers will not be acted upon right away, lifting the threat it will disrupt the start of ...

35. How does early retirement affect my benefit?
... 3 Member's early retirement ... Teachers' Retirement System. How does early retirement ... years or more, the early retirement reduction rate may possibly ...

36. First U.S. baby boomer applies for Social Security | Reuters
WASHINGTON, Oct 15 (Reuters) - Retired school teacher Kathleen Casey-Kirschling on Monday became the first ripple in a " ... for early retirement benefits. ...

37. Office of the Vermont State Treasurer - State Teachers Retirement ...
... unclaimed property search; State, Municipal and Teachers Employee information; Bank in Vermont CD Information; ... a reduced early retirement benefit. ...

38. 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 ...



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