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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 : 4 Stars out of 5.
Summary : Beware 2016! -- Good Financial Education for New Investors

Before commenting on the book's message and argument, let me discuss its communications style. There is a great on-going debate about whether the details that Mr. Kiyosaki presents about himself and his "Rich" and his "Poor" (and biological) Dad are literally true. I don't know, and I don't intend to try to find out. For my purposes, I treat the communications style of this book as a fable to help teach a lesson. I do evaluate the accuracy of the lesson itself in these comments.

If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue.

If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments.

If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do.

The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows?

The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly.

The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses.

The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them.

After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?

Title : The Golden Door to Retirement and Living in Costa Rica: A Guide to Inexpensive Living in a Peaceful Tropical Paradise
Author : Cristobal Howard
Rating : 1 Stars out of 5.
Summary : Great book--if you lack common sense

This book is great if are planning on traveling to Costa Rica as a tourist for a short amount of time; however, it really does not emcompass the complexity of moving or investing in a foreign country. Don't be fooled--this book lacks substinative information on starting a business in Costa Rica, other than the overarching message that "Not everything in the States will work in Costa Rica." Oh, really? My other favorite section was "How to Find a Nice Girl." After "interviewing hundreds of quality Costa Rican women" the author managed to whittle through the unrespectable, poor, uneducated women who were only after him for his money and find a nice girl. I guess the real shame is that he wasn't able to complete this process through a mail-order catalog.

Title : A Peaceful Retirement: Complete Unabridged
Author : Miss" "Read
Rating : 4 Stars out of 5.
Summary : Another gentle and charming book from my favourite author

A change in direction with not only retirement but marriage proposals as well for my most loved fictional character. With all of the Fairacre books, a book I have read over and over - only with particular sadness as it appears that this may be the final book. I found the illustrations a bit off putting - part of my love of Miss Read's books are due to J Goodall's beautiful illustrations - not that these are bad, just not what previous readers may be used to. My only complaint is that it is too short!

Title : The Joy of Not Working: A Book for the Retired, Unemployed, and Overworked
Author : Ernie J. Zelinski
Rating : 2 Stars out of 5.
Summary : Big on inspiration, little on practical advice.

This book would be much more effective if it gave practical advice like 'Your Money Or Your Life'. There is little advice on how you get from one financial situation to the other and assumes perfect health (no reliance on health insurance)and diverse talents (able to get money only as needed). If you are in less perfect health, definitely give this book to a younger, healthier person.

Title : Invest in Yourself: Six Secrets to a Rich Life
Author : Marc Eisenson
Rating : 4 Stars out of 5.
Summary : small technics make big differences

It only took me 30 seconds to buy the book after I scan the titles of the chapters in a fantasitic bookstore in middle Taiwan...all matter to me even if I am a Taiwanese who's so different from those who are supposed to read it.The subject is so universal that,after wandering among the shelves for hours with limited budgets, I decided to take it. The book provides us with so many tips and give us so many substantial thoughts and agendas that a man has to take to make himself rich, materially and spiritually. I am so amazed that,even books about the same subjects in the books are countless,this is a real DIFFERENT book which is written on basis of the authurs' financial expertise and their ideas of helping people, withour meaningless preach and crabbs. This book is a real life bible. I am so glad that I have it.

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