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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 : 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 : The 401(k) Millionaire: How I Started with Nothing and Made a Million and You Can, Too
Author : Knute Iwaszko
Rating : 4 Stars out of 5.
Summary : A great inspiration to get started now with your 401(k).

Like a good diet or fitness book, The 401(k) Millionaire is a terrific inspiration to get started now, not just saving for retirement but working your money smart. Iwaszko makes it really hard to resist finally getting serious about your 401(k)--I guess because he's got a million good reasons why you should! In fact, excuse me, I need to go max out right now. The 401(k) "makeovers" in the book may be the best part about it. Totally worthwhile read.

Title : One World, Ready or Not
Author : Wil Greider
Rating : 5 Stars out of 5.
Summary : An Alarming But Accurate Perspective on the Global Economy

The Washington political elites repeatedly tell us how wonderful things are today; why does the American public have difficulty believing the message. Inspite of 8 years of economic growth, why is real median family income stagnant? Why is income polarization increasing across America and the entire world? Sadly, the American public is clueless to the economic forces reshaping the nation.

William Greider addresses the most important issue concerning America's economic future: the globalization of the economy and it's implications. In the new world order, capital is in limited supply but labor is in overabundance. As would be expected in a laizze faire economy, the cost of labor will remain depressed in the industrialized world.

In the developing nations across Asia and Latin America, the factory workers simply don't have the purchasing power to buy the products they are manufacturing. Since Japan has never matured into a consumer based society, developing nations especially China will add to the global oversupply of labor and production.

While few mainstream economists predicted the recent economic collapse of the 11th largest economy (ie. South Korea), William Greider's prediction of global economic chaos and collapse can no longer be ignored. "One World, Ready or Not" should be heeded by Washington policymakers mesmerized by the exuberance of the stock market.

Title : Non-Resident Offshore Tax Planning
Author : Lee Hadnum
Rating : 1 Stars out of 5.
Summary : I wouldn't trust it

At only 122 pages it's only about as thick as a magazine, this would be fair enough if it was accurate... however the area I was interested in regarding the sale of property in the uk while a resident in Spain as covered page 37-38 states I would escape capital gains tax altogether IS INCORRECT. The author does not understand the the concept of dual tax treaties which stop someone from paying tax twice but does not help in avoiding tax, so even though article 13(1) states that capital gains from immovable property MAY be taxed in the country it is situated (ie the UK) it does not prevent the Spanish from also taxing it if you are resident there (WHICH THEY WILL AT 15%), the author needs to understand MAY does not mean MAY ONLY.

Title : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 1 Stars out of 5.
Summary : Skip this one

This is the first book we read for our book club and only three people made it all the way through. Most people gave up after the first chapter. I read the story and found it to be extremely boring and found the synopsis on the back of the cover to be very deceiving. I expected Dorothy to become an exciting person who would be involved in exciting adventures, instead the story dragged on until the climax - the tornado at which point I had given up all hope of redemption for the book.

Title : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 5 Stars out of 5.
Summary : Once Again, a Masterpiece by Elkin

One of the most distinct voices in (Jewish) American literature, Stanley Elkin, has done it again with Mrs. Ted Bliss. From the title to the final chapter, the reader is forced to examine his/her preceonceptions about age, retirement, sex and social roles, and other stereotypes. Mrs. Ted Bliss, a retired widow with no skills, gets caught in a web of intrigue that leads to the downfall of a drug lord when she sells her car. Mrs. Ted Bliss, however, is no Mrs. Pollifax, ready to karate-chop her way out of danger. Give it a read if you want to laugh out loud.

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Beware 2016! -- Good Financial Education for New Investors

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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?

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