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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 : 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 : Celebration
Author : Harry Crews
Rating : 2 Stars out of 5.
Summary : An unbelievably lame tale from my favorite author. Bummer.

I've savored and passed around every Crews novel in print, but I had to force myself to finish this one. If you've never read a Harry Crews novel, don't start with Celebration. Skip it and pick up Scar Lover, Feast of Snakes or Knockout Artist and see the strange genius of Crews at its finest. His brilliance is in the way he touches deeply into the lives of disturbed outcasts and makes you laugh out loud and fall in love with all of them.

Celebration has the cast of outrageous characters that I love about Crews's novels, but here they just seem ridiculous and silly with none of Crews's previous characters' charm and wit.

The jacket art, depicting the gorgeous 18 year old Too Much, is the best thing about this book. Too bad Crews can't convince us that such a creature exists, even in Forever and Forever, a Florida trailer park for eccentrics at the end of their miserable lives.

Too Much shares a trailer and a giant bath tub with Stump, the elderly owner of the park whose missing hand and resulting nub is the main reason she's with him. "Had it been possible, she would have taken him inside her all the way to the shoulder." If you think the names of these characters are hard to swallow, you have an idea of how much disbelief you will have to suspend to get this one down. It's as if Crews had his students write this one as a class project.



Title : How to Retire With a Million Dollars
Author : Elaine Zimmerman
Rating : 5 Stars out of 5.
Summary : A great book for women who are new to the real estate game.

This book is excellent for single women who want to secure their financial future without tying up all of their available liquid assests today. The author clearly shows how good judgement and elbow grease can help you work for a secure retirement. By utilizing capabilities that all of us have, we can make our money go further and still maintain a comfortable cash flow. The statistics on women living below the poverty level after retirement are staggering. With the information in this book, it is possible not to fall into that category.



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 : More great ideas, more great context - huge value for money

This fourth book in the main series follows through the logical progression from 'taking care of your business' to retiring and doing what you want to do full time. Some people in the UK may find Robert Kiyosaki's American enthusiasm and repetitive writing style a bit hard to take - just stick with it and realise that making money is something that Americans do better then us! Others may say that you 'can't do those things here' - may I suggest to them that they need new advisors as I have not had any problems in implementing these ideas. I would read 'Rich Dad Poor Dad' and 'Cashflow Quadrant' before this book - could be a bit much at once otherwise.

The big gain from this, as with all the books, is the sense of challenge and attitude that comes across. Combined with the specific ideas for action and areas to think about Robert is able to lead you towards acheiving your financial goals, whatever they are.

Retiring before 45 is a dream that most us share, but few think is possible. I would rate these four books as being of equal value in helping me to be on track to reach this goal (despite having started at 31 years old), as my MBA. The MBA tells me how, Rich Dad helps me think of why, when and what.

The true value of these books is really demonstrated by their life expectancy on my book shelf at home. I have leant a number of copies of Rich Dad Poor Dad to friends and family, none of which have ever been returned! Since then my sister is now starting her own company and writing a book and friends have made some very profitable moves into property investment. None of these people, including myself, talked about such things before reading Robert's books.

Buy this book. Read it. then hide it and re-read it every few months - if you don't you will probably find that it disappears and those close to you start to have more money in their pockets!

A real delight.



Title : Wall Street on a Shoestring: Financial Success for Just Five Dollars a Day
Author : Clare La Plante
Rating : 5 Stars out of 5.
Summary : Wonderful book full of great common-sense advice

Ms. La Plante has taken a complex subject and explained it in such a simple and concise way. And she has included wonderful, common-sense advice. The first two chapters alone were worth the price. What a great concept, too. Most of us would never miss the $5.00 a day! Highly recommended!



Title : The Old Fool's Retirement Guide
Author : Rob Davies
Rating : 1 Stars out of 5.
Summary : foolish retirement

After reading the uk guide to investing which was a first class book,plain speaking , a good lesson in reviewing one's finances, but this book is plainly stating the obvious ,we all now that we need a large pot to retire on, so the money spent on this would have been best spent towards that.



Title : The Last Chronicle of Fairacre: "Changes at Fairacre", "Farewell to Fairacre", "Peaceful Retirement"
Author : Miss" "Read
Rating : 5 Stars out of 5.
Summary : Much-loved series reaches finale

Miss Read has written over 40 titles, with this handsome omnibus edition collecting her last three Fairacre stories.

"Changes at Fairacre", charts the heroine's relationship with her predecessor at the village school, Miss Clare. "Farewell to Fairacre" covers her decision to retire and the final tome shows how Miss Read copes with her new-found life of leisure.

In an afterword, the author says she is laying down her pen "with a thankful heart". It is all the more surprising therefore that these final tales show no sign of staleness. In particular, "A Peaceful Retirement" is quite playful in tone as Miss Read copes valiantly with a series of unlooked-for marriage proposals.

Given that the school year is so regular the author manages to describe events such as Christmas celebrations and harvest festivals with no sense of repetition, and as ever captures the tensions between town and country living, children's and adult worlds and men and women beautifully.

With "Last Chronicle of Fairacre", Dora Saint, the real-life Miss Read, can take her own retirement from authorship knowing that she has served her readers well.



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