A helpful, encouraging book especially for those in what Skoglund calls the third-quarter of life--age 50-75--which she feels is the time of peak productivity in a person's life. She speaks of the choices we have--what mental tapes to play in our minds--fearful, negative or grateful and contented. She speaks of safety zones--financial, dignity, memories and meaning. She always encourages those who are growing older to be independent, useful and productive to the end. Written by someone with much experience from life and from her counseling sessions. ( )