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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 : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 5 Stars out of 5.
Summary : Employed or Self Employed? - Financial Future SHOCKER!

This book has made me sit up and think! I'm shocked!

Millions of people depend on their plans for retirement income.

Yet, when programmes first became popular over two decades ago, Robert Kyosaki's rich dad WARNED that these plans would cause one of the BIGGEST stock market crashes in history... a crash that would financially destroy the unprepared. Now rich dad's prophecy is coming true.

* How the fears, dreams, and actions of millions of 'baby boomers' will control the economic future...

I understood from the book that although we had the NASDAQ exchange record its biggest ever one-day fall, back in April, 2000, - the worst is still yet to come!

Read it NOW, or you'll regret it!



Title : Wall Street on a Shoestring: Financial Success for Just Five Dollars a Day
Author : Clare La Plante
Rating : 4 Stars out of 5.
Summary : FINALLY, a book for now-small, future-big investors!

Clare's crystal-clear writing style helps the novice investor make sense of it all. A way to START NOW, with pocket change. Great book!



Title : Retirement Planning Guide
Author : Robert J. Garner
Rating : 4 Stars out of 5.
Summary : Excellent pre and post retirement planning information.

This guide provides excellent pre-retirement planning suggestions. Has traps, obstacles and helpers outlined for quick review and advice. Has a number of "tools" in the form of worksheets to assist in planning for both before and after retirement events. Presents a number of post-retirement ideas with several suggestions of how to manage and/or increase your income in retirement. Authors are somewhat short on information for the mid 50's retiree concerning how to access 401k and IRA funds without penalty between 55 and 59 1/2. No info on what forms are needed and where they are available, or what needs to be filed and where. Has one slight reference in the appendix on how to accomplish withdrawals without penalty. Having read a number of retirement planning books available on the bookshelf, I found this volume excels in providing useful information not found in similar guide books.



Title : Iras, 401(k)S Other Retirement Plans: Taking Your Money Out (IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out)
Author : Twila Slesnick
Rating : 5 Stars out of 5.
Summary : Excellent even if you're not 59 1/2 years old

This is a great resource--clear, concise, easy to digest, well indexed, and written for the lay person. Knowing the rules for taking money out of your retirement accounts is important even if you're still putting money away--it allows you to make much better decisions about your investments.



Title : The Three Boxes of Life: How to Get Out of Them
Author : Richard Nelson Bolles
Rating : 5 Stars out of 5.
Summary : A profound book for life's sojourners

I first came across this book at my job's library and I STILL use a lot of the ideas and thoughts in it. I am so happy that Amazon carries it because I despaired of ever having it in my personal library - it has great ideas that are applicable no matter where you are in life - a student, worker, homemaker or executive.



Title : You're Not Old Until You're Ninety: Best to Be Prepared, However
Author : Rebecca H Latimer
Rating : 4 Stars out of 5.
Summary : This book is for all ages

I was pleasantly surprised to get so much benefit from this book even though I am definitely not old! (49!) The book helped me to realize that old age is definitely "mental" and the book gives good, reasonable advice for being happy and healthy at any age. This would be a great book for anyone who is learning to deal with aging parents or friends.



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 : 4 Stars out of 5.
Summary : The content was great; I dropped a star for the editing.

I breezed through the book in an afternoon/evening and found it to be extremely informative and accurate based on my limited ten day stay in Costa Rica. The author presents both sides for those considering relocating to CR. It is a wonderful place to visit which motivated me to inquire what it might be like to live there.



1. Tax Relief for South African Retirement Annuity Policie
ago I penned a series of articles on retirement annuity fund policies. Amongst ... also with local insurers where such funds were located in South Africa prior to ...

2. South African Revenue Service - Retirement Fund: General Notes
... 2007 Purchase of annuities and transfer to retirement annuity fund at retirement ... from South African pension and provident funds to Namibian retirement funds ...

3. South African Revenue Service - Retirement Fund Practice Note RF 1/96 ...
Retirement Fund Practice Note RF 1/96 (Calculation of flexible annuity benefits) ... annuity arrangements must operate and to which all approved retirement funds or ...

4. Moneyweb - Financial - Retirement Annuity Funds vs Preservation Funds
... a retirement annuity fund (third type of pension fund in South Africa) to ... By the time you retire the president may be funding the ailing economy by taking ...

5. Legalbrief - AGB Sherwood and another v South African Retirement ...
AGB Sherwood and another v South African Retirement Annuity Fund and another. Pension Funds Adjudicator. Case no: PFA/ WE/9718/06/CN. Appellant: AGB Sherwood and ...

6. RETIREMENT ANNUITY FUND APPLICATION FORM
Retirement Annuity Fund Application Form 003 / June 08 ... Pension Funds Act, No. 24 of 1956, and approved by the South African Revenue Service. ...

7. Old Mutual - Retirement Annuity Transfer
... members of the South African Retirement Annuity Fund (SARAF), underwritten by ... Funds Act, the Trustees of the South African Retirement Annuity Fund (SARAF) ...

8. RETIREMENT FUND REFORM a discussion paper
Modernisation and reform the South African retirement funding. landscape ... retirement funds (pillar 2), and retirement annuity funds, collective investment ...

9. ITInews - Insurance Times and Investments Online
... annuity fund members to transfer to other retirement annuity funds prior to retirement age. ... Zotta V The South African Retirement Annuity Fund ...

10. IN THE TRIBUNAL OF THE PENSION FUNDS ADJUDICATOR CASE NO: PFA/GA/17/98 ...
South African Retirement Annuity Fund. Respondent ... The respondent is South African Retirement Annuity Fund, a pension fund duly ...

11. South African Income Tax
... amount payable for first provisional tax on retirement funds ... NITS - New Pension, Provident and Retirement Annuity Fund Directive Application Forms ...

12. Personal Finance - A sad day for the South African consumer
... the complaint because a retirement annuity fund member could not frame her complaint properly. ... Pension Funds Act in favour of a retirement fund member. ...

13. Old Mutual - RA Transfers
Retirement Planning > Retirement Funding > RA Transfers. RA Transfers ... Funds Act, the Trustees of the South African Retirement Annuity Fund (SARAF) ...

14. News - South Africa: New plan to make SA retirement sweeter
Most South Africans retire in poverty - but a new fund could see everyone, from ... 'Every working South African will have a liveable pension at retirement' ...

15. South African High Commission :: Consular Section: Visas & Work Permits ::
... or onward ticket or proof sufficient funds, or lodge a cash deposit of ... to a pension or an annuity or retirement account which will give such foreigner ...

16. Guide on the Taxation of Lump Sum Benefits: Draft
South African long-term insurer. ii) Provident funds ... retire from EFG retirement annuity fund on ... He plans to retire from XYZ retirement annuity fund on ...

17. Positioning Paper on Social Security Retirement Fund Reform
fund reform, which will serve the greater good of the South African ... known as a retirement annuity funds for the self-employed. 15 ...

18. South African Temporary Residence Permits
Confirmation of the available funds to cover accommodation, living and ... or an irrevocable retirement annuity or retirement account to the equivalent amount; ...

19. Cape Town Accommodation Travel Guide - South Africa Tourism - South ...
South African Immigration Services - Immigration to South Africa ... of R 20 000 from a pension, an irrevocable annuity or retirement account; or ...

20. Global Tax Navigator: going to South Africa: HSBC Bank International Ltd
Tax information and advice designed for those moving to South Africa. ... Contributions to South African pension funds. Retirement annuity fund contributions ...

21. Tax Consulting South Africa
Retirement Annuity. Contributions to an approved South African retirement annuity fund: ... 15% of net income minus income from retirement funding employment ...

22. Project 112: Sharing of Pension benefits
... a retirement annuity, the total of the member's contributions to the fund as at the ... of Retirement Funds, The Life Offices Association and the Actuarial ...

23. allAfrica.com: South Africa: The Start of a New Retirement Regimen
allAfrica: African news and information for a global audience ... retirement annuity fund prior to age 55 if the member's interest in the fund is less than R7000. ...

24. South African Wine News
... umbrella retirement funds, one of which is the largest umbrella fund in ... of a preservation fund and an independent trustee of a retirement annuity fund. ...

25. Klasgids
3M South African Executive Provident Fund. AA Staff Pension Fund. ABSA Groep ... Anglo-Union Retirement Annuity Fund. Anglovaal Group Companies Pension Fund ...

26. Key Measures that can Materially Enhance Investment, Economic Growth ...
c. Annexure 1: The South African Retirement Funds Landscape ... South African retirement funding system (annexure 1 section 2.1): 6.1.2 ...

27. Lew Geffen Sotheby's International Realty - South African property
... of either a pension, retirement annuity or retirement account with a minimum ... is the sum introduced into South Africa to fund the purchase of a property, i. ...

28. IMMIGRATION ACT
the contribution of foreigners in the South African labour market does not ... (a) the right to a pension or an irrevocable annuity or retirement account which ...

29. CASE NO
South African Mutual Life Assurance Society Pension Fund (the first respondent) ... a transfer of his benefits to a pension or retirement annuity fund of his choice. ...

30. FAnews - South Africa's Premier Financial and Advisory News ...
Pension Fund Adjudicator. Short Term Ombud. South African Revenue Services ... in new recurring premium retirement annuity (RA) fund policies increased by 3 ...

31. New South African Immigration Act 2002
... sufficient funds . proof of medical coverage for period in South Africa. ... month or an irrevocable annuity or retirement account to the equivalent amount; OR ...

32. Polity :: Policy, Law, Economics and Politics - Deepening Democracy ...
... that the average 20-year-old South African will not even reach retirement age. ... retirement annuity funds, umbrella funds and preservation funds (Gazette ...

33. Personal Finance - Ngalwana asks for advice on whether members can ...
... Funds Adjudicator Vuyani Ngalwana is asking both the South African Revenue ... African Retirement Annuity Fund (Saraf), who wants to transfer to the Allan Gray ...

34. Oasis
... retirement funds are managed in accordance with the South African prudential ... On the Crescent Retirement Annuity Fund, Oasis has designed the fee structure in ...

35. Please quote our ref: PFA/WE/6372/05/CN
FUNDS ACT, 24 OF 1956 ("the Act"):WM BAIRD v SOUTH AFRICAN ... African Retirement Annuity Fund ("the fund"), has failed in its obligation to ...



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