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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 Enjoy Your Retirement: Activities from A-Z
Author : Tricia Wagner
Rating : 1 Stars out of 5.
Summary : Not relevant except in USA

Purchasers should be aware that this book only contains information relevant to those living in the USA.

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 : Cashing in on the American Dream: How to Retire at 35
Author : Paul Terhorst
Rating : 5 Stars out of 5.
Summary : Fifteen Years Later, They're Still Retired

This book, along with Your Money or Your Life, changed our lives. By following the advice outlined in these two books, we were able to quit our jobs in our forties and pursue other interests. We have been free of the daily grind for over four years now, thanks in part to Paul Terhorst, Vicki Robin and Joe Dominguez (authors of YMOYL).

In a conversational style, Terhorst explains how he realized his job was sapping the life out of him, and how he used his skills as an accountant to devise a plan that would enable him to retire at 39 years of age. Unfortunately, the specific financial advice he gives (invest in high-yield certificates of deposit) is no longer possible. But number-crunching is not the most important message that Terhorst has.

Cashing in on the American Dream advocates a no-nonsense approach to determining just what you want in life. Do you want to be free of working for others? Then it might mean giving up your car and dinners out. But it doesn't have to mean giving up what you really love (or need). Terhorst and his wife, Vicki, have been retired almost twenty years now and have spent much of it traveling the world. They have health insurance abroad, because it's cheaper than U.S. insurance (where we still have no national health insurance), and better.

The Terhorsts have their own website and I like to check in on them once or twice a year. The fact that they have made their plan work all these years is more important than any advice they have. Cashing in on The American Dream is an inspiring book. If they could do it, why can't you?

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 : 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 : How to Have a Great Retirement on a Limited Budget
Author : Diane Warner
Rating : 4 Stars out of 5.
Summary : lots of good info but some of it is a little bizarre

menus in food chapter would have you drinking six different kinds of fruit juice in a week. I open one or two containers at a time. The man who saves money on taxes by flying to Oregon and driving home a new car every couple of years is breaking the law. I think hiring a teenager to climb up and prune trees might leave you open to a lawsuit if he fell out of the tree onto the pruning shears.

Title : Still Here: Embracing Aging, Changing and Dying
Author : Ram Dass
Rating : 5 Stars out of 5.
Summary : Fierce grace

I have been fortunate enough to meet Ram Dass on two occasions including a five day meditation retreat. This book distills the experiences of a lifetime of searching for spiritual meaning. It is probably not the best introduction to him, but it will help anyone facing their "midlife crisis" or having to deal with experiences that confront you with your mortality. Will you "flunk the test" when it is time to leave your body behind?
It's worth keeping an eye out for the DVD "Fierce Grace" (from USA)which is a fine 90 minute documentary with interviews with Ram Dass before and as he manages his life after his stroke - as well as some excellent historical footage from his life in the sixties.
Namaste.

Title : How to Retire With a Million Dollars
Author : Elaine Zimmerman
Rating : 3 Stars out of 5.
Summary : Good book for beginning real estate investors

I thought the book was very elementary in the information it provided. The author did an excellent job identifying the various real estate investment options but did not provide enough details about each one. The book is a great starting point for understanding what real estate investing is all about and identifying potentially satisfying fnancial returns; however, it doesn't provide enough details to make it a true "how to" book because you will definitely need more information to perform or practice any of the techniques described.

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