retirement REVIEW

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It would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.

Yet...many retirees are living out their retirement on the breadline without much hope for even going on holiday without being assisted by relatives or even handouts. Don't let yourself be one of them...it's never too late!

Title : How to Retire Rich
Author : James O'Shaughnessy
Rating : 5 Stars out of 5.
Summary : A Nobel Prize for O'Shaughnessy!

The main message of _How to Retire Rich_ is that if you want to retire rich, or retire at all for that matter (ever!), you must invest in the stock market. You just don't have a choice in the matter. Sit down and let James O'Shaughnessy take you through the math---you'll quickly see that that is just the financial reality. The good news, however, is that investing in the stock market, when done properly, is not what you think it is. It's not about outsmarting all the other investors out there. It's not about trying to get a 'ten-bagger' so you can buy a cool car and brag at parties. It's not even about shrewd business savvy and scanning financial reports. It's about picking an effective strategy and sticking with it year in, year out until the day you retire, never pulling your money out of the market.

But if that sounds hard, don't worry. One of HTRR's strongest points is the wealth of wisdom it provides on the mental aspects of investing over the long term. What do you do if your portfolio tanks? What do you do if it soars? This is a problem? You'd be surprised! O'Shaughnessy is probably the only author with a completely rounded, mature outlook on the emotional aspects of investing. Reading HTRR will give you the confidence you need to invest and stay in the market through good times and bad.

So how do you invest? O'Shaughnessy breaks it all down for you, telling you exactly what to do. We're not talking the usual vague, feelgood accepted wisdom here such as 'buy market leaders' or 'buy on weakness, sell on strength'. Throw all those books in the trash! HTRR will tell you how to quickly find the precise stocks you should buy. You'll finish the book at 2 o'clock and have a list of the stocks to buy in your hand at 2:30. Yes, it's just that easy. You'll also know exactly when to buy them (now) and when to sell them (a year from now), and what do after that (repeat the process until you retire). What could be simpler?

O'Shaughnessy should be nominated for a Nobel Prize. He is a modern-day Charles Darwin with a theory that has all the hallmarks of a revolution in scientific thought. The theory is simple, but deceptively so. Many readers come away thinking they have understood it, only to later demonstrate that they clearly haven't. Even Motley Fool was apparently unable to grasp Reasonable Runaways (one of the strategies in HTRR). They tried to test it with a universe of stocks picked from Value Line (!). When it wasn't performing well after six months (!), they wondered how they could tweak it (!) to "make it dance" (their words). You'll understand just how ridiculous all of this is when you read HTRR.

Perhaps the reason for this widespread misunderstanding is that while the theory itself is simple, its ramifications are not---and without understanding its ramifications, it is impossible to truly understand the theory. Like Darwin, O'Shaughnessy has taken 'God'---the human element---completely out of the picture. That's what readers find so hard to grasp. O'Shaughnessy has shown that not only is human intervention in portfolio management not necessary, it's downright harmful. Given enough time, any human intervention will only lower a portfolio's returns from the optimum returns that could be obtained using a simple model.

I hesitate to include the returns I have earned over the past four years using the Reasonable Runaways strategy in this review, because I don't think they're typical. I have earned 93.15% (CARR of 17.88%) versus 1.17% (CARR of 0.29%) for the SP during the same period (July 15, 2001 to July 15, 2005). And this is during a time period that includes 9/11. But as you'll discover from reading HTRR, four years is a meaninglessly short amount of time over which to gauge performance. Also, giving out exciting returns numbers shifts the discussion away from the real message of the book---get in the stock market and stay there (investing properly of course). It's the only way you'll ever be able to retire, rich or otherwise.

For UK readers, I�fd also like to point out that if you invest in the US stock market and live outside the UK (as I do), it�fs tax-free. How can you go wrong?

Title : How to Retire Rich
Author : James O'Shaughnessy
Rating : 5 Stars out of 5.
Summary : I am buying one of these books for each member of my family.

As an avid reader and a novice investor I could not put the book down. The information was clear and very understandable. I immediately went on line and was able to pull up the 50 stocks I will be using for Reasonable Runaways. My goal was to self manage my 401k. This has given me the tools to do so. I'm in it for the long term so will let you know in 25 years how the strategy worked. I feel strongly enough about the concept to share it with all my friends and family. Wouldn't it be fun to grow wealthy together???

I have also read "What Works on Wall Street". If you must chose between the two "How to Retire Rich" is the better book in my opinion. "What Works" does provide reinforcement of the ideas if that is important to you.

Title : One World, Ready or Not
Author : Wil Greider
Rating : 1 Stars out of 5.
Summary : An almost complete misunderstanding of economics

Paul Krugman of MIT - one of that rare breed, a serious economist who can write - has famously called this "an astonishingly silly book". I have to disagree: the book is much, much worse than that.

Greider's thesis boils down to the "global excess supply" nostrum - and it's based not only on a fundamental misunderstanding of economics but also on straightforward innumeracy and an inability to think critically. As Keynes tells us, wages reflect the marginal product of labour. Any increased production in the Third World must *go somewhere*, in the form of increased income either to labour (wages) or capital (profits). That increased income must be either spent or saved - so if there really were inadequate aggregate demand (or equivalently excess capacity) then we would expect savings to exceed profitable investment opportunities. Do they? Well, Greider provides no evidence - which is unsurprising....

Greider's economic analysis is thus wrong - indeed, absurd and intellectual disreputable. His policy recommendations derived from his wrong-headed arguments are downright destructive, however. They amount to a recipe for a misallocation of scarce resources to unproductive uses and a hike in inflation. There could be few more damaging courses for the developing world, or surer ways to cut real wages and depress living standards. But then the identity of interest between the far Left (Chomsky, Nader etc.) and the far Right (Pat Buchanan) has never had logic or reason on its side.

Title : The New Golden Door to Retirement and Living in Costa Rica: A Guide to Inexpensive Living, Making Money and Finding Love in a Peaceful Tropical Paradise
Author : Christopher Howard
Rating : 5 Stars out of 5.
Summary : "This Books is my Right Hand"

This book is my Right Hand, as manager of the Residents Association of Costa Rica (ARCR), I have found that newcomers sometimes seem to know more about Costa Rica than people living here just because they read this excellent book.

Title : The Pension Book: What You Need to Know to Prepare for Retirement
Author : Karen Ferguson
Rating : 5 Stars out of 5.
Summary : wonderful and informative book

Finally, a pension and retirement income book by someone not trying to sell you anything! Karen Ferguson and Kate Blackwell have crafted a remarkable book that combines a thoughtful analysis of what ails the current retirement income system with some "how to" advice on how to get your own retirement income and pension questions answered and disputes resolved. This is as it should be for, as a collective citizenry, we are appalling ignorant about the structure of retirement income in the United States. In the same way, it is rare to meet a person (of any level of education) who fully understands their own retirement income plan. We, as responsible citizens and as tomorrow's retirees, need to learn a whole lot more. This book is the place to start.

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