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Copyrighted 2013

This publication may not be reproduced, photocopied

or scanned except as permitted by the 1976 United

States Copyright Act.


The author has used his best efforts in preparation of this book and makes no warranties or implied warranties as to the completeness and accuracy of the contents. The author is not a financial advisor. Accordingly the opinions and observations presented are for informational purposes only. They do not represent financial or legal advice.


It is my hope that you are reading this book long before your retirement. However, if you are already retired there is lots of very valuable information here for you.

My objective is to get the right amount of information to you. You may say: "How do you know how much information I need?"

Recently while golfing at a new course a fellow golfer said: "The hole is farther away than you think it is?" I asked him a similar question, that is, "How do you know how far I think it is?" His answer was similar to mine. I just know.

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