This non technical book was written to help you, the layman, evaluate the factors that will determine your financial success when retired. Risk versus reward, accumulation versus distribution, your savings time horizon, along with your need for guaranteed retirement income you cannot outlive. Understanding the differences should help keep you out of the retirement saving 'casinos'.

The Pressing Issue of Our Time The pressing issue for people in a state of crisis, whether it is stress, depression, anxiety or any variation thereof, is that they want, need, and absolutely require immediate attention Unfortunately this generally does not happen. Typically it takes weeks before people in crisis can be seen by professional care givers. This guide provides effective methods for first responders to greatly reduce this time gap. The Attitude Shifting workshop and resource guide offers professionals and lay people, who wish to help someone in need of help, tools to effectively...