Friday, July 25, 2008

My Retirement Speech about The Joy of Not Working in Istanbul

The Joy of Not Working - Turkish Edition

Turkish Edition of The Joy of Not Working

KalDer has asked me to make a keynote speech about The Joy of Not Working at their 17th Annual Congress in Istanbul, 24th – 26th November 2008.

KalDer is the Turkish National Quality Organization. Their annual congress brings together approximately 3,000 persons from the Turkish business community, academics, students and journalists.

Here are some of the topics that I can discuss at my The Joy of Not Working Speech in Istanbul on November 26.

Most of these come from my book The Lazy Person's Guide to Success: How to Get What You Want Without Killing Yourself for It.

Ernie Zelinski - The Lazy Person's Guide to Success

  • Ordinary career success is a real good job; real career success is a real good life.

  • Most success costs too much.

  • The conduct of society is a poor precedent for living a happy life.

  • Why the work ethic is a serious mistake.

  • The most creative shortcut to success is to think more about it.

  • Hard work is no match for relaxed, creative action.

  • The more creative your thinking, the fewer your cares and worries.

  • Security is a kind of death.

  • Creative loafing is good for your cash flow.

  • Money doesn't talk; it just whispers.

  • Money solves all problems except all those that it doesn't solve.

  • Financial insanity has its own big following - including you and me.

  • Your best purchases will turn out to be the ones that you never made.

  • There's more to life than having it all.

  • Being successful at work is irrelevant if you are a failure at home.

  • To work is human, to loaf divine.

  • Busyness is the last refuge of unproductive and unfulfilled people.

  • The top 10 worst Uses of your time.

  • The top 10 best uses of your time

  • Why 90 percent of things worth doing aren't worth doing well.

  • All things worth doing well get screwed up when you overdo them.

  • Your most powerful success tool is the 80-20 rule.

  • Slow down and your days will be longer.

  • The journey toward success should feel better than to arrive.

  • Only fools are in a hurry to get to anywhere worth going.

  • Life's a breeze when we put half as much time into simplifying it as we do into complicating it.

  • Be happy while you are alive because you are a long time dead!

  • Why experiencing The Joy of Not Working all your life is good practice for your retirement.

For quotes on Retirement Speech Making Tips, see The Retirement Speeches Cafe:

Jack Canfield and Ernie Zelinski

This is a photo taken by a fan of both Ernie J. Zelinski and Jack Canfield taken at the Shaw Conference Centre in Edmonton, Alberta.

Wednesday, July 23, 2008

Quotes about Your House to Place It in Proper Perspective

Where to Retire

You can find retirement quotes about your house to place it in proper perspective as a castle but not as a retirement plan:

The 237 Best Retirement Quotes Ever Amassed by Ernie J. Zelinski

Retirement Book

Download the Free E-book The 237 Best Things Ever Said about Retirement by Ernie J. Zelinski at:

The Retirement Gifts Cafe

Wednesday, July 16, 2008

The 237 Best Quotes Ever about Retirement - A Free Retirement Gift

Retirement Gift

My Retirement Gift to the Retired and Soon-to-Be Retired

This E-book in PDF format called The 237 Best Things Ever Said about Retirement is the ultimate collection of
retirement quotations and retirement sayings placed in over 40 categories for easy reference. It makes great reading for just about everyone - particularly for the retired and soon-to-be retired.

Of course, quotes can be a great source of knowledge and wisdom. They stimulate creative thought, remind you of cherished experiences, and give you insights you otherwise wouldn't acquire. From a collection amassed over many years, The 237 Best Things Ever Said about Retirement is a wonderful assortment of some of the most unpredictable, ridiculous, outrageous, humorous, motivational, and inspirational quotations about RETIREMENT.

You can place The 237 Best Things Ever Said about Retirement on your website as an important retirement resource for your readers and clients.

Alternatively, you can place links to my two websites where people can download this E-book (a $9.97 Value) for free:

The Retirement Gifts Cafe

If you would like a JPG of cover of the E-book for your website, let me know.

Ernie Zelinski
Author of the Bestseller
How to Retire Happy, Wild, and Free
(Over 95,000 copies sold and published in 7 foreign languages)
and the International Bestseller
The Joy of Not Working
(Over 225,000 copies sold and published in 17 languages)

Saturday, July 12, 2008

Money Facts: Canadian Retirees Not Prepared for Retirement

1. According to a recently released Statistics Canada study, almost half of Canadian households spend more than their pretax income in a given year. That's up from 39 per cent in the early 1980s. From 1982 to 2001, the study found, per capita debt doubled, because of sharp increases in both mortgages and consumer debt.

2. 67 percent of Canadians say money is their most frequent worry.

3. Only 40 percent of Canadians know how many millions are in a billion.

4. Still worse, only 25 percent of Canadians know the difference between the National debt and National deficit.

5. According to Desjardins Financial security's latest retirement study, many Canadians are not prepared for the challenges retirement can bring. They are failing to consider a variety of factors and risks that can have an impact on the yield and longevity of their savings, such as inflation, rising life expectancies and healthcare costs. Nearly 60% of those surveyed are not concerned about having a large enough nest egg to sustain their standard of living in retirement. More than 80% have not eliminated their consumer debt in retirement and even more are not concerned about paying off their mortgages (88%). And more than half are not worried that inflation will erode their savings.

Wednesday, July 9, 2008

Millions Review Retirement Plans as House Prices Fall

Many Britons Not on Track for a Great Retirement Due to House Prices Falling

More than two million Britons have reviewed their retirement plans in the past year due to tumbling property prices but a third of the working age population have no retirement plans at all, according to Baring Asset Management. The research also found only 7.5 million people in Britain are now planning on using property to fund all or part of their retirement, compared with 13.2 million last year.

Just 878,000 Britons now anticipate using property as the sole way of funding their retirement contrasting with 3.2 million in April last year. "It’s great to see that less people are relying on property to fund their retirement, but it’s still remarkable that so many people are failing to plan for their retirement at all," says Marino Valensise, CIO at Barings.

Many American Not on Track for a Great Retirement Either Due to Poor Financial Retirement Planning
Four out of five workers aren't saving enough to maintain their lifestyle after retirement, with women being at a disadvantage because of their longer life spans and lower pay, according to a recent study.

On average, employees are projected to replace just 85 percent of their income in retirement, compared with the 126 percent they would need when factoring in inflation, longer life spans and medical costs, the study by Hewitt Associates found.

The study looked at the projected retirement levels of nearly 2 million current workers of varying ages at 72 large U.S. companies and used actual employee balances.

People would need to save from 10 percent to 12 percent of their income throughout their career to keep up the same lifestyle after retirement, said Alison Borland, one of the study's authors.

The study found just 19 percent of workers were on track to do so. These workers typically started saving early in their career – sometime in their 20s – and didn't cash out the savings when they switched jobs, Borland said.


Retirement is a double-edged sword. You either make it work for you - or it will cut your happiness in half. The more you know about the secrets to a successful retirement, the happier you will be once you retire.

That's why you need The World's Best Retirement Book by
Vipbooks Author Ernie J. Zelinski.

Retirement Gift Ideas

Over 95,000 Copies Sold
Published in 7 Foreign Languages

How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won't Get from Your Financial Advisor is a provocative, entertaining, down-to-earth, and tremendously inspiring book that will help you get more joy and satisfaction out of all your retirement activities.

Although turned down by over 35 publishers,
How to Retire Happy, Wild, and Free has already sold over 95,000 copies and has been published in 7 foreign languages since it was released by Ten Speed Press in Berkeley, California.

What's more, go to and type "retirement" into the search feature. You will see that How to Retire Happy, Wild, and Free appears in the number 1 position - out of over 175,000 listings for retirement books!

Purchase How to Retire Happy, Wild, and Free on with this direct link:

Saturday, July 5, 2008

Retirement Planning Based on House Equity Is a Fool's Retirement Plan

Financial planner Robert Doyle (CPA with Spoor, Doyle & Associates in St. Petersburg, FL) once said, "When you retire, your house is your home. Don’t look at it as an investment. You can convert it if you need to, but if you’re retiring because of the equity in your house, you better get back to work."
A little over a year and a half ago, when I was forced to purchase the half-duplex that I had rented happily for over 25 years, some of my friends warned me that I could be purchasing at the height of the house boom in Edmonton. I told my friends that I was aware of this but I was not purchasing the place as an investment or as part of my retirement plan. Indeed, houses should never be considered as an investment — for retirement or otherwise!
"A house should be viewed only as any other consumer item," was how I put it. "Then if the price goes down, it is no different than when the price of your car or your running shoes go down in price. Unfortunately, most people don't understand this. Some do, however. (Robert T. Kiyosaki, the author of Rich Dad, Poor Dad , stated that your house is not an asset but a liability.)

"The problem," I told my friends, "is that millions of people have been conned by shady bankers and real estate agents into believing that their home is the biggest investment that they will ever make in their lives. What a ridiculous statement! I know that the biggest investment that I will ever make in my life is in myself, in my self-education about how to live within my means so that I don't have money problems. My self-education also is enhanced by tapes, books, and seminars on how to create money in innovative ways so that I don't have to live in poverty — even if haven't had a real job in over 25 years."

Alas, the con job of having people believe that their houses are investments has come home to roost. The 2008 Retirement Confidence Survey just showed the biggest one-year drop in its 18-year history.
One of the major reasons was that that home ownership was a substantial component of most respondents' net financial worth: one-third on average, according to a study of baby boomer retirement security by Dartmouth College economist Annamaria Lusardi and her colleagues.
They further calculated that an average national housing price drop of 13.5 percent — less than we've already experienced — would decrease the net worth of the boomers they surveyed an average of 10 percent.
A loss of 10 percent of net worth for people on the verge of retirement — which doesn't include stock market losses or the losses people will incur if the housing market continues to fall, as many analysts think it will — can have a big impact on a retiree's ability to live the life he or she imagined.
Yet many Americans are relying on their homes as a source of income in retirement, either through downsizing to a smaller property or through dubious transactions like reverse mortgages. Between 1997 and 2006, housing prices increased an average of 83 percent, leading more people to assume their equity would see them through their retirement years.
In the last year, however, house prices in the U.S. are down on average 14.1 percent. Worse yet, some people say that the house price declines have just started. A few analysts are predicting that house prices will go down for 5 to 7 years straight. Think this can't happen? You are fooling yourself. Remember how financial analysts claimed that real estate prices could never go down in Japan, particularly Tokyo. When Japan had their recession hit in the 1990s, real estate prices in Tokyo declined for 10 years straight.

So much for houses as investments for retirement. Again, houses are consumer products and not investments. If you are buying a house on the hope that it will go up, you are speculating. If you are speculating, you should be prepared for the price to go down instead of up. Don't blame anyone else when your house price goes down. You caused this situation to happen by believing what the shady real estate agents and mortgage lenders have told you.

If you want to be financially well-prepared for retirement, invest in yourself by spending as much money as you can on books, seminars, and motivational tapes on how to run your own business or how to make money on the Internet. Fact is, the most valuable asset is actually your ability to earn an income.

I know that if I was to lose all my financial net worth that I have today, I can still survive financially. I can earn a living without having to get a job and still have a great retirement. The same applies to you. Your marketable job skills and knowledge represent your personal earning power. Although the banks and other financial institutions don't count intangibles such as creativity, innovative character, risk-taking ability, and specialized knowledge in tallying your net worth, you should. These items are much more important to a retirement portfolio than a house.


Retirement is a double-edged sword. You either make it work for you - or it will cut your happiness in half. The more you know about the secrets to a successful retirement, the
happier you will be once you retire.

That's why you need The World's Best Retirement Book by
Ernie Zelinski .

Purchase How to Retire Happy, Wild, and Free on with this direct link:

Retirement Planning Image

Download the Creative Free E-book Editions of Ernie Zelinski's The Joy of Not Working and How to Retire Happy, Wild, and Free at: