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Tired of the Rat Race? Then Retire NOW!

Is your career clock ticking? Life too complicated? Not enough time with your family or spouse? How much longer do you want to live like this?

They have been featured on programs such as The Motley Fool Rule Your Retirement, even Oprah XM 156 Radio station wanted to get in on the scoop! Jean Chatsky of Money News interviewed Mary Beth Franklin, editor of Kiplinger's Personal Finance Magazine. Below is a page from their website.

EXTREME early retirement

Billy and Akaisha Kaderli are old hands at retirement--ask them anything about saving, spending or traveling. But one thing may surprise you: their age. Sixteen years after they retired, they are now both 54--almost old enough to satisfy the minimum age requirements of the active-adult community in Mesa, Ariz., they call home (when they're not traveling around the world).

When they were in their late thirties, Billy, a stockbroker, and Akaisha, a restaurant owner-turned-office manager, decided they were working too hard and paying too much in taxes. They vowed to save enough to quit in two years. "Every time I looked at a latte or a new pair of shoes, I decided I didn't need them," says Akaisha. "If you are clear about what you want, it becomes easier. You can either buy this or be days closer to your goal."

By 1991, they had accumulated about $500,000, including a $100,000 profit from the sale of their home. They put their belongings in storage and set out to see the world. After six months on a Caribbean island, they headed for South America. Returning to California a year and a half later, they bought an RV and wandered around the western states for two years. Then it was off to Mexico. They had planned to visit the Lake Chapala area for a few months and ended up staying four years. Since then, they've returned home from time to time to care for their parents, but have spent the rest of their time in Asia and the South Pacific.

What's their secret? This might sound like an extravagant lifestyle, but Billy and Akaisha limit their expenses to about $24,000 a year. They eat well and enjoy themselves but don't buy much "stuff." Their few big expenses include Akaisha's extensive dental care in Thailand and a laptop computer they use to update their Web site (www.retireearlylifestyle.com), which attracts 12,000 visitors daily.

The couple invest mainly in low-cost index funds, withdrawing about 3% of the balance each year. They pay little in taxes because most of their income is from capital gains and dividends, which are taxed at a maximum of 15%. They haven't had to touch their IRAs, which would still cost them early-withdrawal penalties. "At this point in our lives, we are less worried about running out of money and more concerned about not having enough time to enjoy it," says Billy

We want to emphasize that no one knows what tomorrow will bring. There are many ways to live a life, so make the most of it! Our advice to you is: Embrace your future! Follow your dreams!


Perhaps it is time to learn something new about the way you view retirement.


Timothy J. Kilkenny
Founder & CEO

Getting Your Questions Answered on Alternative Health Care!

Americans are expected to spend in excess of $50 billion dollars on complementary and alternative medicine this year. Already four out of ten U.S. adults claim to have used some type of non-conventional treatment for an illness or condition.

With the surge of interest in nontraditional medicine, it isn't surprising that there are thousands of Web sites devoted to different complementary and alternative medicine therapies, such as alternative health systems (homeopathic medicine and traditional Chinese medicine), mind-body medicine, herbal medicine and nutrition therapies, body-based therapies, and energy therapies.

Although often grouped together, complementary and alternative therapies are different. Complementary therapies are used in conjunction with traditional Western medicine, while alternative therapies are used in place of traditional medicine.

A great place to begin -- and to come back to -- when searching for alternative health information on the Internet is www.altmedicine.com. This award winning site is prepared by journalists for the public and aims at helping us to separate the hogwash from the promising therapies in alternative medicine.

The site is updated daily and covers topics such as diet and nutrition, mind/body control, alternative medical systems, manual healing and longevity. It offers a free, weekly e-mail newsletter, bulletins and alerts on health news and a column of reviewed and recommended books on alternative health care. It also offers links to other sources of health information on the Internet. Health questions can also be addressed to Dr. Andrew Weil, author of Spontaneous Healing.

Happy (And Safe) Surfing From Your Friends at FullNet!

Roger Baresel

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