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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 : Have a Healthy and Happy Retirement
Author : Michael Apple
Rating : 4 Stars out of 5.
Summary : How to enjoy freedom better health a comfortable lifestyle

One of the greatest changes to have taken place over the last years is the attitude to retirement and ageing. No longer do the older generation creep along as Old Age Pensioners. Instead we see Seniors enjoying their freedom, better health, and with a little luck and planning, a comfortable lifestyle.

Dr Michael Apple, a GP who is also a writer, has brought all this together in his latest book. He urges anyone approaching retirement to think positively about what it will mean, and to seize with both hands the opportunities which are there. He advises us not to let this major change in life catch up on us without some planning, since he points out that in retirement we are viewed in a different light not only by others but by ourselves as well. He explains how some of the relationships we have will change, and how and why even our children may look at us differently.

So, read this book to find out about how to make the most of your opportunities - browse through it - and you will find out all you need to know about moving from a fixed daily routine to using your time more freely. He acknowledges that poor health or a disability may be a factor to contend with, and gives good advice about how to cope with some of these problems.

His sound recommendations are: keep healthy physically and emotionally, look at how ageing affects the body and the mind, make sure you are safe, care for your appearance, and maybe even reassess your sex life.

Title : You'Ve Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 1 Stars out of 5.
Summary : The math is wrong

The time value of money analysis in this book does not take into account that money has time value and thus the results of the studies Orman presents are biased in the wrong direction. Also the rate of inflation of 5% is too high based on current and past values. This also biases the results. It is funny to see the results of her long term care insurance policy analysis. According to Orman, the insured pays in $1,255 each year for 30 years and alternately if they had not taked the policy get no credit for the compound growth rate this money would earn had not they taken the policy. It makes a huge different that was not considered Also there is a chart that shows a comparison of 5% simple and compound interest on an inflation rider. Certainly, inflation is not a simple interest growth rate. The data of Orman's table make no sense whatsoever and certainly have no bearing on the long term care policy decision.

Title : Still Here: Embracing Aging, Changing and Dying
Author : Ram Dass
Rating : 5 Stars out of 5.
Summary : A gentle, clear perspective on living all of your life.

Ram Dass has aged, and while thinking about aging, had a massive stroke from which he has recovered his speech. The words are more thoughtful now, clearer. There is an economy which has lead to clarity. Reading this work helps one to see what to hold onto and what to release. There can be joy in where you are, though it is clearly not where you were, once, nor where you thought you would be. This is a gift. In each chapter he reminds us, in a gentle, loving way, to love ourselves. Knowing that he has come back from the stroke, that his body is not going to stop relying on the wheelchair, that there was fear and pain in his experience, all this makes his words ring true. Give yourself this gift. And give it to others.

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 : Thorough coverage for the tax professional. Easy to use.

I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.

I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.

"How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.

There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.

Title : Discounts and Good Deals for Seniors in Texas: The Best Bargains and Deals from Abilene to Zavalla for Ages 50 and Up
Author : Sylvia Spade-Kershaw
Rating : 5 Stars out of 5.
Summary : Excellent, layout is very good and easy to use

Contains information I was not able to find anywhere else. In my opinion, Sylvia did a very thorough research on this subject. I found the information to be very complete. The only exception is one grocery store in Georgetown that offers senior discounts of 5% on Wednesdays. This was offset by at least 12-15 discounts that were new to me. The book is very well organized. It provides listings by type of discount and location (city or town). It exceeded my expectation!

Title : Social Security Benefits Handbook (Social Security Benefits Handbook)
Author : Stanley A. Tomkiel
Rating : 4 Stars out of 5.
Summary : Updated review of this book

Mr. Tomkiel was kind enough to respond to my concerns regarding his text comments on SSI prorating. He indicated in his note that he had again researched the issue of SSI prorating. Although it appears he had the same difficulty obtaining an immediate, correct answer directly from SSA, he was able to confirm that his research on prorating is correct. I commend his efforts to not only understand my confusion after my own conversations with the SSI, but to research the issue himself, once again, with their representatives. Mr. Tomkiel is obviously well versed on this topic, and is an impressive example of an author committed to his topic and his readers. Thank you Mr. Tomkiel for your time, effort, and kind response. My initial review stands corrected.

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 : Thorough coverage for the tax professional. Easy to use.

I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.

I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.

"How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.

There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.

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