It's Never Too Late to Get Rich: Secrets of Building a Nest Egg at Any Age

Syndicated columnist Jorgensen ( The Graying of America ) here unravels the mysteries of financial instruments and the U.S. tax code. Starting with the premise that ``we are a nation of spenders, not savers,'' he offers guidance for financial success (``save ten percent of your income first''), explaining bonds, money market accounts, return rates, the stock market, equivalent yields, etc., and he provides investment portfolio models. Jorgensen's comments on insurance (``buy insurance for catastrophic dollar losses''), and pension plans (``don't rely on your company-paid pension'') are on the mark. This study could become the personal financial planning book in the field. 25,000 first printing; $25,000 ad/promo; paperback and audio rights to Simon & Schuster; Fortune Book Club alternate; author tour. (July)