Here’s the Bibliography from Safe 4 Retirement: The 4 Keys to a Safe Retirement.  There are many valuable resources for retirees to be found here.


Full Bibliography and Additional Resources

First Key: Financial Preparedness

1. “Social Security Reduced Amounts by Age,”

2. Trinity Study wiki,

3. “Safe Withdrawal Rates,” Bogleheads,

4. “How Much Are You Gonna Take,” The Motley Fool,

5. “Safe Withdrawal Rates,” op. cit.

6. Jason S. Scott,  William F. Sharpe, John G. Watson, “The 4% Rule—At What Price?,” April 2008,

7. Trinity Study wiki, op. cit.

8. Campbell R. Harvey, “Historical Behavior of Asset Classes,” Duke University,

9. Dow Jones Industrial Average (1900–present monthly),, May 7, 2010,

10..“The 100 Year Dow Jones Chart,” Rydex Investments, January 30, 2006,; Latest Version:

11. Definition of growth stock,

12. Definition of value stock,

13. “The Callan Periodic Table of Investment Returns,” Callan Associates,

14. Fisher Center for Alzheimer’s Research Foundation,

15. Ibid.

16. Alzheimer News, “New Report Says Alzheimer’s Disease and Dementia Triple Healthcare Costs for Americans Age 65 and Older,” March 24, 2009,


Other resources utilized:

MetLife Mature Market Institute, Homepage:; Research page:

“Retirement Planner,” Social Security Administration,

“A Longitudinal Study of Health, Retirement, and Aging,” University of Michigan Health and Retirement Study,

Walter Updegrave, “Guaranteed Income, but at What Cost? Variable Annuities May Look Like a Surefire Bet, but Make Sure You Read Between the Lines Before You Invest.” Money, October 1, 2009,

Medicare Web site,

The Kaiser Family Foundation Web site,

“Brain Health, Think About Your Future. Maintain Your Brain Today,” Alzheimer’s Association, November 29, 2010,


Second Key: Health and Wellness

17. Gienna Shaw, “Medical Breakthroughs That Will Change Healthcare,” Healthleaders Magazine, March 8,2010, 12. Alzheimer’s Association,

18. Barbara Seaman, “Charting the Doctor-Patient Relationship,”

19. “Growing Older in America: The Health and Retirement Study,” HRS, University of Michigan,

20. “Early Disease Detection,” Blue Shield of California,

21. The Study of Adult Development[A1] ,” Harvard University,

22. Jeff Donn, Martha Mendoza, Justin Pritchard, “Drugs Found in Drinking Water,” Associated Press in USA Today, September 12, 2008,

23. Benefits of Chocolate,,

24. “Exercise: 7 Benefits of Regular Physical Activity,” Mayo Clinic,[A2]

25. Executive Women’s Golf Association (EWGA),

26. Alzheimer’s Association Web site,

27. “Alzheimer’s Cases Jump 10 Percent as 4.9 Million Senior Citizen’s Now Afflicted,” Senior Journal, March 20, 2007,

28. “Cancer Facts and Figures,” American Cancer Society,

29. “Cancer Death Rate Steadily Declining,” American Cancer Society Web site, May 27, 2009,

30. American Cancer Society definition of cancer,

31. “Cancer Facts and Figures,” American Cancer Society,

32. Cancer Symptoms, Mayo Clinic,

33. Kathleen Doheny, “Heart Disease, Diabetes Preventable,” HealthDay News, November 12, 2005,

34. “Women and Cardiovascular Diseases—Statistics,” American Heart Association, 2006,

35. American Heart Association,

36. “Symptoms of Heart Disease,” WebMD,

37. “Heart Attack Symptoms,” Women’s Heart Foundation,

38. “Warning Signs of Stroke,”

39. “Stroke Prevention,” National Stroke Association,

40. “Healthiest Diet,”

41. “Diets of the World—The Japanese Diet,”

42. “Mediterranean Diet: Choose This Heart Healthy Diet,” Mayo Clinic,

43. Definition of Organic by the USDA,

44. “The New Dirty Dozen: 12 Foods to Eat Organic,” The Daily Green,

45. Mary Shomon, “Journal of the American Medical Association Announces Recommendation That All Adults Should Take Vitamins”, July 2002,

46. “Health Care Reform,” AARP,


Other resources utilized:

Catharine Paddock, PhD, “Napping Boosts Brain Power,” Medical News Today, February 24, 2010,

Elizabeth Scott, MS, “Stress: How it Affects Your Body and How You Can Stay Healthier” Guide, May 4, 2009,

“Alzheimer’s Cases Jump 10 Percent as 4.9 Million Senior Citizen’s Now Afflicted,” Senior Journal, March 20, 2007,

Rebecca Viksnins Snowden, “Cancer Death Rate Steadily Declining,” American Cancer Society, May 27, 2009,

Sheryl Walters, “The Healthy Japanese Diet: A Diet of Longevity and Health,”, November 6, 2007,

Daphne C. Watkins, “Life Expectancy,”,


Third Key: Mental Attitude

47. Kurt Brower, “Why are Older People Happier than Younger People,” September 27, 2007,

48. Matthew Herper, “Money Won’t Buy You Happiness,”,

49. Andrea Coombs, “Happy Days Ahead,” MarketWatch, August 13, 2007,

50. Definition of myth,

51. Carolyn Okomo, “Baby Boomers Delay Retirement to Rebuild Assets,” February 22, 2011,

52. John Wolfskill, “How to Make a Smooth Transition into Retirement,”, February 17, 2007,

53. David Counts, PhD, quoted in “How to Make a Smooth Transition into Retirement,” ibid.

54. “Positive Attitude Delays Ageing,” BBC,

55. Glenn Ostir, quoted in “Retirement Attitude,” Successful Retirement’s Guide Weblog,

56. “Metlife Mature Market Study 2010,” Metlife Mature Market Institute,

57. “2010 Del Webb Baby Boomer Survey,” Del Webb Corporation,

58. Michael Inzlicht, Social Psychology Network,

59. The Center on Aging Studies at the University of Missouri-Kansas City,

60. Dr. Marian C. Diamond, “Successful Aging of the Healthy Brain,” John Hopkins University School of Education, March 10, 2001,

61. Research Network on an Aging Society, John D. & Catherine T. MacArthur Foundation,

62. Kyle Roderick, “Successful Aging: A Lifestyle Choice,” July 11, 2008,

63. Nancy Anderson, “How to Find Success in Midlife and Beyond,”, May 5, 2010,

64. Prill Boyle, “It’s Never Too Late to Follow Your Dreams,”, May 19, 2010,

65, My friend, Ira likes to points out that many seniors still run marathons and bike in centuries (100 miles). Last fall, 80-year-old Lew Hollander completed the Ironman Triathlon in Kona, Hawaii. It was the 20th time he completed it and plans to compete again this year. Of course, he has a Web site, too:

66. Emily Brandon, “10 Best Places to Reinvent Your Life in Retirement,”, August 4, 2010,

67. ——, “10 Best Affordable Mountain Towns for Retirement.” (July 12, 2010),

68. Brian Tracy Web site,


Other resources utilized:

Brent Agin, MD, Healthy Aging for Dummies (Hoboken, NJ: John Wiley & Sons), 2008.

“For Many Boomers Retirement Means Still Working”, April 14, 2010,

Robert Powell, “The Good Life is Not Only About Money,”, July 30, 2010,

R. Kevin Price, “Retirement Attitude,” Successful Retirement’s Guide Weblog,

Joan Rattner Heilman, Unbelievably Good Deals and Great Adventures That You Absolutely Can’t Get Unless You’re Over 50, 17th edition (New York: McGraw-Hill), 2009.

“Beyond the Myths of Aging,” Harvard Business Review,


Fourth Key: Staying Involved!

69. Wikipedia entry on “Continuity Theory,”

70. “Staying Ahead of the Curve 2003: The AARP Working in Retirement Study,” AARP,

71. US Bureau of Labor Statistics,

72. Sharon O’Brien, “50-plus and Looking for Work? Employment Service Finds Senior Jobs,”

73. Corporation for National and Community Service,

74. Harry Jackson Jr., “Volunteering Is the ‘New Health Club’ for Seniors,” St. Louis Today, November 25, 2010,

75. Ibid.

76. Anup Shah, “Poverty Facts and Stats,” Global Issues, September 20, 2010,

77. Susan Rita Ruel, “Lending a Hand After Retirement,” The Chief Executive, April 2005,

78. “Internet 2009 in Numbers,” Pingdom,

79. Kristen Robinson, PhD, “Trends in Health Status and Health Care Use Among

Older Women,” Office of Analysis and Epidemiology, CDC,

80. “Dating Facts and Statistics: Relationships,”,

81. “Top 5 Senior Dating Sites of 2011,”,

82. Dan Witters, “In U.S., Caregivers Suffer From Poorer Physical Health,” Gallup, February 4, 2011,

83. “When You Need a Break,” American Heart Association, August 25, 2009,


Other resources utilized:

Melanie C. Harper and Marie F. Shoffner, “Counseling for Continued Career Development After Retirement: An Application of the Theory of Work Adjustment,” BNET, March 2004,

Harry R. Moody, Aging: Concepts and Controversies, (Newbury, CA: Pine Forge Press, 2010), 294.

Jennie L. Phipps, “An older worker’s guide to getting a job,”, April 18, 2003,

Cokie Roberts and Enjoli Francis, “Person of the Week: Caregivers Allow for Dignified Living Situations for Aging Parents” ABC News: Health, February 4, 2011,

Sherri Snelling, “Silverware—Where Aging and Technology Meet,”, January 5, 2011,