The purpose of this book is to celebrate a unique generation, ther multitude of 70+ seniors of the 21st century, who lead purposeful, rewarding and independent lives in specially designed retirement communities.The authors, in their early 80's, "live it up" each and every day in their chosen community. With humor, wistfulness, seriousness and common sense, they introduce some of their neighbors and provide a bird's eye view of active life after retirement. With its congenial anecdotes and pithy insights, this volume can give enjoyment to readers of all ages, but will be of most interest to the 70+ folks and their families, who have been wondering how mom and dad will spend their later years. It will answer questions, such as why, when, where and how to choose a community, and give an overview of varied activities in the residents' daily lives. Topics include extending one's perspective, a typical day, pet care, exercise, semi-retirement, coping with illness, forming relationships, and many others.The whimsical illustrations, created by resident, Shirley Walters, depict everyday retirement activities.We invite you to visit our community by leafing at random through the pages of this book. Enjoy Renate Donovan and Patricia Haenslye-mail: [email protected]

Never Fall Victim to Wall Street Again

Recently, most people have been victimized by the revenue generating machine that is Wall Street. The truth is, Wall Street only cares about making the most revenue they can from you.

You will learn:

The 20%/65% rule of investing in both bear and bull markets.

When and why to move your investments to cash.

Why agency relationships and suitability are a far cry from fiduciary responsibility.

How to convert your IRA to a tax-free Roth IRA using either a Home Equity Line of Credit, a Reverse Mortgage, or a Real Estate Option.

A way to pay off your 30-year mortgage in ten or eleven years.

How you can get rid of credit card debt in months, not years.

Why segmenting your money and using principal for income may put you in a lower tax bracket.

How to do a background check on your financial advisor annually.

What to look out for in regard to outlandish performance claims by financial advisors.

The strategies presented herein will teach you how to have a consistent process and a plan for your success. You will never again fall victim to Wall Street's shenanigans.

Many highly paid investment gurus will insist that successful investing is a function of painfully collected experience, expansive research, skillful market timing, and sophisticated analysis. Others emphasize fundamental research about companies, industries, and markets.

Based on thirty years in the investment industry, I say the ingredients for a successful investment portfolio are stubborn belief in the quality, diversification, growth, and long-term principles from Investments and Management 101. Unlike MBA textbooks, which tend to be more theoretical, Investment Discipline provides more practical insight into what works and what does not, based on my own errors and success and includes recommendations of what to repeat and what to avoid.

Investment Discipline contains no secrets and no magic equations. It discusses the most common mistakes and provides advice on how to avoid these errors in order to become a successful investor. It will guide you in your decisions, from setting up your investment objectives, conducting research, and buying/selling securities to adjusting your portfolio to achieve long-term returns that match your personal objectives.

You will learn how to:

- Define your investment profile and your specific objectives;

- Establish a sustainable investment process based on your objectives;

- Analyze information and perform your own research; and

- Make sound investment decisions.

Famous investment professionals, such as Warren Buffett and Peter Lynch, have made mistakes, but they did not repeat them. They held on stubbornly to their investment approach and showed discipline over a long time period, resulting in superior returns. Obviously they were lucky as well; however, they played the numbers right, and over time their performance was better than the performance of their peers.

In Investment Discipline, you will learn how to become a successful, disciplined investor.