Smashwords Edition Other books by Jim Jorgensen (Non-fiction) The Graying of America Your Retirement Income How to Stay Ahead in the Money Game How to Make IRAs Work for You Money Shock Money Lessons for a Lifetime It’s Never Too Late To Get Rich Retire Tax Free Copyright © 2011 by Jim Jorgensen Digital ISBN: 978-1-4523-1550-8 Formatted by: Laura Shinn Cover Design Copyright © 2011 Laura Shinn Smashwords License Notes: All rights reserved. Except as permitted under the Copyright Act if 1976, no part of this publication may be reproduced, recorded, transmitted or distributed in any form or by.