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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 : The New Golden Door to Retirement Living in Costa Rica
Author : Christopher Howard
Rating : 5 Stars out of 5.
Summary : Great, Great Book!

My husband and I found this book to be a godsend. It helped make our move to Costa Rica a lot easier and answered a lot of questions we had. We saved time and money by reading it. Even after living in Costa we refer to it occasionally. It was highly recommended to us by the Costa Rican Residents Association.



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 : Bankroll Your Future: How to Get Most from Uncle Sam for Your Retirement Years - Social Security, Medicare and Much More
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : Great book! Easy to understand, no-nonsense financial tips.

I enjoyed this book a great deal. Finally, an easy-to-follow guideline for those of us who might be overwhelmed by our future financial affairs. I bought copies for several friends.



Title : Rich Dad's Retire Young, Retire Rich: How to Get Rich Quickly and Stay Rich Forever! (Rich Dad)
Author : Robert T. Kiyosaki
Rating : 5 Stars out of 5.
Summary : The best "Rich Dad" yet!

I would recommend every book in Robert Kiyosaki's "Rich Dad" series to anyone, but this book is the best yet! Kiyosaki's writing style has settled down, and he has organised his thoughts into a clear, logical book, that, at long last, carries clear guidance on many of the topics that he has addressed in previous books.
"More of the same"? well, yes, there is some repetition there, but since no author can expect every reader to read all his books in sequence there will always be a need to re-state the main principles. In any case, I don't see repetition of this kind as being anything but beneficial, as ultimately it helps to reinforce the message in my own mind.
This book talks a great deal about leverage; all kinds of leverage; ways to improve your ability to create personal wealth. This book will help you to realise that your dreams ARE achievable and help you to organise your mind to achieve those dreams.



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.



1. The Namibia Economist - Tax Relief for South African Retirement Annuity ...
Sometime ago I penned a series of articles on retirement annuity fund policies. ... A South African retirement annuity policy is generally accepted to fall within ...

2. Tax Relief for South African Retirement Annuity Policie
ago I penned a series of articles on retirement annuity fund policies. Amongst ... now on if the maturity proceeds of a South African retirement annuity policy is ...

3. retirement annuity fund
... emigration is recognised by the South African Reserve Bank for purposes of exchange control; ... member's benefit into any other retirement annuity fund; ...

4. South African Revenue Service - Retirement Fund: General Notes
... 2007 Purchase of annuities and transfer to retirement annuity fund at retirement ... from South African pension and provident funds to Namibian retirement funds ...

5. South African Revenue Service - Retirement Fund Practice Note RF 1/96 ...
Retirement Fund Practice Note RF 1/96 (Calculation of flexible annuity benefits) ... (b)(ii) of the definition of "retirement annuity fund" in section 1 of the Income ...

6. Legalbrief - AGB Sherwood and another v South African Retirement ...
Legalbrief - a daily alert of important legal news ... AGB Sherwood and another v South African Retirement Annuity Fund and another ...

7. Old Mutual - Retirement Annuity Transfer
... members of the South African Retirement Annuity Fund (SARAF), underwritten by ... Funds Act, the Trustees of the South African Retirement Annuity Fund (SARAF) ...

8. Moneyweb - Financial - Retirement Annuity Funds vs Preservation Funds
... a retirement annuity fund (third type of pension fund in South Africa) to ... South African Revenue Service (Sars) as well as the Registrar of Pension Funds. ...

9. Cape Town Accommodation Travel Guide - South Africa Tourism - South ...
South African Immigration Services - Immigration to South Africa ... of R 20 000 from a pension, an irrevocable annuity or retirement account; or ...

10. ITInews - Insurance Times and Investments Online
... Times and Investments: The complete South African Financial Services News and Information Portal ... Zotta V The South African Retirement Annuity Fund ...

11. Personal Finance - A sad day for the South African consumer
... the complaint because a retirement annuity fund member could not frame her complaint properly. ... South African homes, does not give a hoot about ...

12. RETIREMENT ANNUITY FUND APPLICATION FORM
Retirement Annuity Fund Application Form 003 / June 08 ... Pension Funds Act, No. 24 of 1956, and approved by the South African Revenue Service. ...

13. South African Income Tax
Downloadable Forms from the South African Revenue Service: ... NITS - New Pension, Provident and Retirement Annuity Fund Directive Application Forms ...

14. South African Temporary Residence Permits
Confirmation of the available funds to cover accommodation, living and ... or an irrevocable retirement annuity or retirement account to the equivalent amount; ...

15. 4 March 2005 Please quote our reference: PFA/KZN/628/2003/nvc Mrs. F ...
You commenced to contribute to the South African Retirement Annuity ... and see my ruling in C A de Sousa vs Lifestyle Retirement Annuity Fund ...

16. RETIREMENT FUND REFORM a discussion paper
The South African retirement fund industry has been heavily influenced by a racially ... retirement funds (pillar 2), and retirement annuity funds, collective ...

17. SABCnews.com - economy/business
South African Broadcasting Corporation Copyright © 2000 - 2005 SABC ... provisions in the Income Tax Act affect approved retirement annuity fund rules. ...

18. A.S. Sure Investment Services (Pty) Ltd
... your retirement fund (pension or provident fund) or maturing retirement annuity. ... the prescribed limits of between 5% and 20%. From March 1, the South ...

19. Insurance Gateway - Retirement - Pension Funds and Long Term Insurers ...
... providing a gateway to the retirement insurance industry of South Africa. ... management offshore on behalf of major and mid-tier South African institutions. ...

20. Investec Asset Management South Africa
... to institutional and individual investors managing funds in excess of US $64bn ... South African takes top honours in Global Investor awards ...

21. allAfrica.com: South Africa: The Start of a New Retirement Regimen
allAfrica: African news and information for a global audience ... retirement annuity fund prior to age 55 if the member's interest in the fund is less than R7000. ...

22. Oasis
South African Shari'ah Retail Retirement Funds. CRESCENT RETIREMENT FUND. CRESCENT RETIREMENT ANNUITY FUND. CRESCENT PRESERVATION PROVIDENT FUND ...

23. Star: Adjudicator slams inadequate retirement fund performance
South African and international news and sports coverage from Johannesburg's daily newspaper. ... acute" in retirement annuity funds and umbrella funds, where ...

24. News - South Africa: New plan to make SA retirement sweeter
'Every working South African will have a liveable pension at retirement' ... fund or to an occupational fund or a retirement annuity provided by the ...

25. FUNDS FOR THE PRESERVATION OF THE RETIREMENT INTERESTS OF EMPLOYEES
... of the translocation benefit paid into an approved retirement annuity fund ... ISSUED BY THE SOUTH AFRICAN REVENUE SERVICE. 1 May 2000 ...

26. Positioning Paper on Social Security Retirement Fund Reform
fund reform, which will serve the greater good of the South African ... known as a retirement annuity funds for the self-employed. 15 ...

27. Old Mutual - Islamic Product Solutions
Old Mutual Islamic Product Solutions were designed specifically to address the financial needs of the South African Islamic community.

28. Divorce
... spouse who was previously the member of the retirement annuity or pension fund. ... While the South African Revenue Services (Sars) has stated that it will ...

29. Insurance Gateway - Retirement - Sanlam supports national savings ...
... providing a gateway to the retirement insurance industry of South Africa. ... of the now well known South African Savings Month an initiative by the South ...

30. Oasis
... retirement funds are managed in accordance with the South African prudential ... On the Crescent Retirement Annuity Fund, Oasis has designed the fee structure in ...

31. University of Natal Retirement Fund
... not required to apply for a tax directive from the South African Revenue Service. ... pension, provident or retirement annuity funds of which you may be or ...

32. FAnews - South Africa's Premier Financial and Advisory News ...
Pension Fund Adjudicator. Short Term Ombud. South African Revenue Services ... retirement annuity fund as a current contribution with the benefit of an ...

33. DETERMINATIONS
A DeWilzem v South African Retirement Annuity Fund-EC1726 - - KM. 11/02/2005 ... Du Plessis v Lifestyle Retirement Annuity Fund-PFA/GA/2638/2005/ZC. 05/2005 ...

34. General Note 23
The definitions of "pension fund" and "retirement annuity fund" in section 1 of ... ISSUED BY THE SOUTH AFRICAN REVENUE SERVICE ...

35. CASE NO
South African Mutual Life Assurance Society Pension Fund (the first respondent) ... a transfer of his benefits to a pension or retirement annuity fund of his choice. ...

36. Business Report - Adjudicator slams inadequate retirement fund performance
The most widely read South African daily business newspaper - published by ... was "particularly acute" in retirement annuity funds and umbrella funds, where ...



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