MOODSTRControl Your Mood – Control Your Life

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How to Retire Happy, Wild, and Free offers inspirational advice on how to enjoy life to its fullest. The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life -- interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support. World-class author and innovator Ernie J. Zelinski guides you to: Gain courage to take early retirement; in fact, the earlier the better. Put money in proper perspective so that you don't need a million dollars to retire. Generate purpose in your retirement life with meaningful creative pursuits. Follow your dreams instead of someone else's. Take charge of your mental, physical, and spiritual health. Better envision you retirement goals -- including where you want to live. Above all, make you retirement years the best time of your life. What sets this retirement book apart from all the others is its holistic approach to the fears, hopes, and dreams that people have about retirement. This international bestseller (over 110,000 copies sold in its first edition) goes way beyond the numbers that is often the main focus of retirement planning in most retirement books. There are many ingredients of a happy retirement and several retirement planning tools that help retirees plan for their retirement in new and more meaningful ways. One of the most powerful tools is The Get-a-Life Tree that you won't find in any other retirement books. In short, the retirement wisdom in this book will prove to be much more important than how much money you have saved. How to Retire Happy Wild, and Free helps readers create an active, satisfying, and happy retirement in a way such that they don't need a million dollars to retire.

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"Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book, How to Retire Happy, now in its third edition. Stan was a Washington Post financial reporter for 20 years, and after he retired, he wrote the Post’s 'Retirement Journal' column for which he was nominated for a Pulitzer Prize. What I like about Stan’s book is that it combines good financial planning information with his story about his own retirement. He’s candid about the mistakes he made and how he’d do things differently with the benefit of hindsight." --Steve Vernon, columnist, CBSMoneyWatch.com “Everyone in the workforce today should read this book!” —Horace B. Deets, former Executive Director, AARP Award-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy helps you decide if you can retire now, or whether you have to stay on the job for a few more years. This trusted guide has been fully updated to address the stomachchurning issues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need—and can you afford—a longterm care policy? How much income can your savings produce? The third edition of How to Retire Happy provides answers to these questions—plus all-new information about: A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hinden’s reliable, easy-to-understand advice and experience a happy, healthful retirement for years and years to come.

Description

Nearly 2 million Americans reach retirement age each year. Before anyone can begin to enjoy all the leisure time ahead, there are difficult decisions to be made about a host of crucial issues, such as Social Security, HMOs, insurance, and estate planning. Written by award-winning Washington Post financial reporter and syndicated columnist, Stan Hinden, How to Retire Happy arms anyone approaching retirement with easy-to-comprehend answers to all their complicated questions. How to Retire Happy: • Provides practical advice and guidance on the 12 most complicated decisions to make before retiring • Covers all the bases, from where to live to how to invest, from health insurance to taking money out of IRAs • Goes beyond financial planning to offer practical advice on the key emotional and psychological issues surrounding retirement

Description

Imagine a retirement filled with blue skies, soft sand, and refreshing breezes. Picture yourself spending your days lounging in a hammock and listening to the waves roll onto the shore. You may be thinking that this scenario sounds great but that you cannot afford it. However, that is where you are mistaken. This book shows you how you can achieve your dream retirement without obsessing about saving and without overspending. As senior citizens age, they tend to go through less money; in fact, the typical over-75 household spent only $25,763 in 2004. This is in direct contrast to financial planners who tell you that you need to save large amounts of money in order to live comfortably during your retirement years. In this new book, you will learn how to manage your expenses, how to reduce and eliminate debt, how to save and invest wisely, how to use retirement planning tools, how to reduce living expenses, how to downsize to a smaller, less expensive property, how to save on small items, how to prioritize your insurance, and how to cut back. Additionally, you will learn about withdrawal plans, selling your home, simplifying your life style, and streamlining postretirement activities. Perhaps most interestingly, you will be presented with the option of moving overseas when you retire. Places such as Costa Rica, Panama, Belize, Malta, and Mexico offer lower living costs and lower prescription drug prices. In fact, approximately one million retirees live abroad. This new book will provide you with a wealth of ideas about retiring with less money. You may have thought that a comfortable, happy retirement was out of reach, but if you read this book you will find countless ways to achieve your goal.

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TWO PLANE TICKETS, NO PLAN, ONE DREAMHappier Than A Billionaire shares one couple's celebration of risking it all for the dream of living a happier life.In this humorous and witty account, Nadine Pisani shares what it is like to follow her dream of quitting her job and starting a new life under the sunny skies of Costa Rica. Along the way, she finds reliable utilities are not that reliable, quirky neighbors are unavoidable, and tackling red tape takes the strength of a linebacker. But with all its challenges, you'll learn why Costa Rica is ranked as one of the happiest places on earth--and you too may want to taste the Pura Vida lifestyle.

Description

Everyone in the workforce today should read this book! Horace B. Deets former Executive Director AARP Award-winning Washington Post retirement columnist Stan Hindens bestselling How toRetire Happy helps you decide if you can retire now, or whether you have to stay on the jobfor a few more years. This trusted guide has been fully updated to address the stomachchurningissues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need and can you afford a longtermcare policy? How much income can your savings produce? The third edition of Howto Retire Happy provides answers to these questions plus all new information about A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hindens reliable, easy to understand advice and experience a happy, healthfulretirement for years and years to come.

Everyone in the workforce today should read this book! Horace B. Deets former Executive Director AARP Award-winning Washington Post retirement columnist Stan Hindens bestselling How toRetire Happy helps you decide if you can retire now, or whether you have to stay on the jobfor a few more years. This trusted guide has been fully updated to address the stomachchurningissues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need and can you afford a longtermcare policy? How much income can your savings produce? The third edition of Howto Retire Happy provides answers to these questions plus all new information about A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hindens reliable, easy to understand advice and experience a happy, healthfulretirement for years and years to come.

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Imagine a retirement filled with blue skies, soft sand, and refreshing breezes. Picture yourself spending your days lounging in a hammock and listening to the waves roll onto the shore. You may be thinking that this scenario sounds great but that you cannot afford it. However, that is where you are mistaken. This book shows you how you can achieve your dream retirement without obsessing about saving and without overspending. As senior citizens age, they tend to go through less money; in fact, the typical over-75 household spent only $25,763 in 2004. This is in direct contrast to financial planners who tell you that you need to save large amounts of money in order to live comfortably during your retirement years. In this new book, you will learn how to manage your expenses, how to reduce and eliminate debt, how to save and invest wisely, how to use retirement planning tools, how to reduce living expenses, how to downsize to a smaller, less expensive property, how to save on small items, how to prioritize your insurance, and how to cut back. Additionally, you will learn about withdrawal plans, selling your home, simplifying your life style, and streamlining postretirement activities. Perhaps most interestingly, you will be presented with the option of moving overseas when you retire. Places such as Costa Rica, Panama, Belize, Malta, and Mexico offer lower living costs and lower prescription drug prices. In fact, approximately one million retirees live abroad. This new book will provide you with a wealth of ideas about retiring with less money. You may have thought that a comfortable, happy retirement was out of reach, but if you read this book you will find countless ways to achieve your goal.

Description

If it is handled right, retirement can be one of the most exciting chapters in your life. However, if your retirement is not planned correctly, it can unravel and you could suddenly discover that you don't have enough money to continue living the lifestyle you've grown accustomed to. Sudden unexpected medical expenses, for example, can devastate your retirement savings. How To Retire Happy & Secure is all you need to make sure you plan correctly and enjoy retirement. It’s tailor-made for individuals who have a common goal: to retire in $tyle. It tells how to master the latest retirement fundamentals and techniques quickly, without wasting time chasing theoretical concepts. It's full of real-world examples and advice, supplemented with a rich menu of easy-to-use Web sites that offer a wealth of additional information. Filled with specific tips and abundant resources, this book is the quick-and-easy answers to your retirement concerns.

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In today's economy, people are seeing their retirement base - the principle they are using to fund their future eroding or disappearing. Retiring early has truly become an impossible dream to many as they struggle to pay house mortgages and medical bills. On the other hand, retired people are finding themselves forced back to work, spending long hours on low paying jobs working midnight shifts just to make ends meet. These are tough times, whether you live in the UK, Germany, France, Canada, the States or other affluent country. For those struggling to pay their bills, the thought of retiring early is ludicrous.And then there are the idiots like me gloating that they retired at 45. "He got lucky - a good paying job...won the lottery...inherited money...Wrong. The fact is, for most of us, our situation in life is not the issue preventing us from retiring early. The issue is: fear of the unknown, lack of knowledge on what can make an early retirement possible, and the government's very persistent message that to be truly successful you have to work work work, pay lots of taxes, own your dream home and retire with no less than XXX in your bank account (a million is the usual suggested amount for those in Canada or the States).Is it possible for the average middle aged working Joe and Jane struggling to pay their mortgages retire early (as in VERY early) and live comfortably?YES.I am writing this book to share my experiences with you. It has no sales pitches, no condos to buy or real estate to invest in, there are no seminars to pay for or plans to purchase. What it does have is common sense knowledge based on real people's experiences. It is honest, sometimes brutally so. This book does not apply to those who want to get rich quick, or those who don't want to work at all.It applies to all those who have worked hard but can't find themselves getting ahead, and to those who are young but want to make sensible (and relatively painless) choices so they can live their dreams. Included is help for those struggling seniors who are barely making ends meet and need an alternative, and specifics, with website links on those who have chosen the expatriate route.How can it be done? What about the medical bills so many are drowning in? Is the American dream really the best way to live? What alternatives are there? How have others done it? How did I do it? What mistakes have some done along the way? How important is it to be financially wealthy?All of these questions and many more will be considered. Whether you're 25 or 65, the information contained can give you a realistic guideline to follow as you set your goals for a happy retirement.IF YOU ENJOYED THIS BOOK AND LEAVE FEEDBACK ON WHY YOU ENJOYED LET ME KNOW, AND YOU CAN HAVE ANY OF MY SELF-PUBLISHED FREE BOOKS OF YOUR CHOICE. Books available in this offer:And You Thought Your Family Was Dysfunctional!The Eye of the IdolPandora's SisterThe Eye of the Idol and Pandora's SisterRetire at 45... A realist's guide to living your dreamsOnce you purchase, email me at pauldayton_scifi@hotmail.com for instructions on how to receive your free book