The Not-So-Golden Years

I'm just finishing up a four-day skiing trip at Deer Valley Resort in Park City, Utah. While visiting with my family and friends, I was made aware of a growing trend: "detirement." Detirement is what happens when people who thought they had enough money in their nest eggs to maintain their lifestyles for their remaining years are forced to start working again after having their retirements wiped out. There is a very important lesson to be learned here. Check out today's Rant to discover what it is and to find out how to avoid becoming a "detiree."

Toby

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Don't Get Cheated Out of Your Nest Egg

While on a skiing trip with my family and friends at the Deer Valley Resort in Park City, Utah, I noticed an alarming trend: Many affluent retirees are now finding themselves "detired."

"Detired" is a term my twin brother Brian devised to refer to the situation in which a person once had enough assets to retire comfortably, but now does not.

Detirement was a topic of much discussion on the trip. Many of my brother's friends who live in Park City fit the profile of a detiree. They are entrepreneurs and executives who after 30 or more years in the business game cashed in and entrusted their money to a money manager.

The moral of this story is simple: If you have accumulated enough assets to retire, you cannot mentally check out and expect a money manager to keep your nest egg intact.

Keep reading to find out why.

6 Words That Will Make You Rich

There's an old saying that you'll find useful in this market. These six words will make you rich just as surely as three other words -- "buy and hold" -- made you poor. The six words are this: "Buy the dip, sell the rip." I'll prove it to you.

Watch 'Bulls & Bears' on Fox News

Be sure to tune in to Fox News Channel this weekend and join Toby and the crew on "Bulls & Bears" for their weekly market roundtable as they kick off the Fox News Channel business block on Saturday, March 21, at 10 a.m. Eastern. ("Bulls & Bears" replays at 4 p.m. Eastern, Sunday, March 22, and 4 a.m. Eastern, Monday, March 23.) Or you can catch the show Saturday evenings at 6 p.m. Eastern on the Fox Business Network.

The Black Book of Options Secrets

If you trade options, or are intrigued by the ability options give you to pluck profits from any type of market, then you should read "The Black Book of Options Secrets" several times over -- BEFORE you go near another options contract. And the best part is, "The Black Book of Options Secrets" is FREE -- if you grab it today. Get the complete report here.

Wine Find: A Tempranillo Treat

Today's Wine Find is a reader submission from the Ribera del Duero region of Spain: the 2006 Torremoron Tempranillo.

"This unoaked Tempranillo is simply a beautiful expression of explosive fruit. Spicy, peppery and fruit-driven, yet meaty and dense. An incredible value."

Pick up a bottle today for around $12.

To share your favorite wine or food experience, e-mail me through the form at www.changewave.com.