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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 : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 5 Stars out of 5.
Summary : Excellent Contrarian Viewpoint

This book should be required reading for anyone who thinks about retirement, from those just starting out in their 20's and 30's to those nearing retirement. The book is a refreshing, contrarian view to the conventional wisdom of "save tons of money for retirement", "you'll need 70-100% of your current income in retirement", etc., etc., etc. The traditional retirement literature is focused almost exclusively on money, with which Warner takes exception.

Warner's focus is on the whole person - he makes a very compelling argument that money is a FACTOR in a good retirement, but that it is also important to cultivate health, outside interests, friendships and family. He believes these latter factors have a FAR greater influence on a successful retirement than money. He bases this viewpoint on research among those enjoying active, successful retirements.

Warner is not a Pollyanna, saying not to even think about retirement savings (as some critics seem to suggest). The book contains some common sense ideas on savings and admits that having SOME money may help. Warner's point, however, is that money alone isn't going to make you have a successful retirement if you neglected your family, friends, outside interests, spirituality and health in order to get the money.

I highly recommend this book to anyone who ever thinks about retirement. You may not agree with the proposition, but the book will really help expand your view of the elements of a good retirement and may help you plan a more enjoyable life.

Title : Retire Rich with a Property Pension
Author : Nicholas Braun
Rating : 5 Stars out of 5.
Summary : A fascinating read

If you're into property investment this book is absolutely critical reading. From April 2006 residential property will be an approved pension investment. This book does a good job of explaining why and how you should take advantage of this fantastic opportunity and save literally tens of thousands of pounds in tax.

There's also lots of info on the current commercial property sipps and all the other important pension changes that come into effect in 2006.

The author's has a good writing style and uses loads of examples throughout.

If you're into property investment or using property as an alternative to a traditional pension you'll find it a worthwhile read.

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 : Secure Your Future: Financial Planning at Any Age (Successful Business Library)
Author : Chuck Tellalian
Rating : 3 Stars out of 5.
Summary : Shows how debt affects net worth

The very good chapter here on determining your net worth helps emphasize the effect of debt on your planning and projections.
Michael Pellecchia

Title : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 3 Stars out of 5.
Summary : Beautiful language, ugly plot

Mr. Elkin has a wonderful style, with phrases that you reread and say out loud to yourself, that you remember when you put the book down. But that's about all you remember, because the plot and the characters leave much to be desired. I think Elkin put a little too much into forming the most perfect, most beautiful sentences, and not enough into the actual story. I never cared about what happened to Dorothy, or anyone else in her mundane existance. Literature is not literature if it doesn't move you, and Mrs. Ted Bliss most definetly failed in that regard.

Title : Financial Independence the Smart Way: Investing for Growth, Income and Retirement
Author : Stephen L Littauer
Rating : 5 Stars out of 5.
Summary : Easy to understand and easy to use.

Financial Independence The Smart Way shows you how to become your own investment manager. If you're looking for advice and an action plan to help you secure your financial freedom, look no further. I found this investment book to be the best I've seen. The author takes a disciplined, systematic approach to investing, guiding you from your personal objectives to suitable investments for your portfolio. It has helped me to sort through the maze of current offerings and develop a well-designed plan for investing. The book shows how to "invest the smart way" and what it takes to be a successful investor. The author explains why its risky to be out of the market. I liked the strategies he offered to become my own investment manager, to plan for a financially secure retirement, to invest online and to protect my capital.

Title : The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich
Author : David Bach
Rating : 3 Stars out of 5.
Summary : Very well written, but not for everyone.

Over the past few years, I've bought and read several books on the theme of how to get rich. I have observed that these kinds of books come in three flavours;

1. Get rich by scrimping and saving (eg, "The Money Diet")
2. Get rich by making bold investments (eg, "Rich Dad Poor Dad")
3. Concepts on how to get rich (eg, "Think and grow rich")

The automatic millionaire is very much of the first flavour (scrimping and saving). In fairness, the author does a good job of disguising the fact that his approach amounts to little more than scrimping and saving by making his particular process "automatic" (I won't spoil the book too much by explaining what that means).

At the start of the book, the author describes a meeting he once once had with a couple of retired automatic millionaires, whose names escape me. He describes in depth how happy this married couple were now that they had held down steady (apparently low paid) jobs all their lives and were now reaping the benifits of many decades of savings and conservative investments. We learn about how they have two homes (one that they live in and one that they rent out) and how the husband drives a second hand car. We also are reminded over and over about how joyful and full of romance and wide eyed wonder this ageing couple seem to be now that they're cashing on their healthy pension schemes.

Whilst, I do not question that the automatic millionaire process has clearly paid off for these people, I was struck with a distinct feeling of disappointment as I read their story. Personally speaking, I find it very difficult to get excited about the idea of saving for the rest of my working life in the hope that I can life off a pension some day and drive second hand cars, like our happy couple described in the book. For me, this couple were precise examples of how I absolutely do NOT want to end up- maybe my expectations were too high going into this book!

Anyway, for what it's worth I have one or two other issues with the book that are of a slightly more academic nature. Although I'm no economics professor, I have read credible predictions of an impending stock market crash in the future when a tidal wave of elderly retired workers try to cash in on their pension schemes. Here in the UK, the government is on the verge of forcing everyone into signing up for pensions schemes. You don't have to be a mathematical genius to realise that the figures don't add up- surely we can't ALL get 10% interest rates on our pensions, as the author insists we can. Can we? I also think that his approach is dependant on you and I being able to generate a steady income (i.e., hold down stable jobs) until we retire in our fifties and sixties. Again, without trying to lecture too much or sound too negative, I think we live in an age where life long job security is something that is no longer on the table. So, personally I would put the case that the automatic millionaire process may not be as stable and as surefire as the author would lead us to believe.

Anyway, on a more positive note, the book is very well written and the author does a great job of keeping the subject both interesting and educational. In particular some of the mathematic models he presents are extremely eye opening and well presented.

In conclusion I would say this is a good book is you're a conservative, non risk taking, worker ant. However, for a faster, more exciting and (admittedly!) more risky road to richness I would be tempted to look elsewhere.

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