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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 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 : Essential Look at How You Must Think and Act to Prosper!

This book deserves more than five stars for its exceptional clarity, authenticity, relevance and eloquence.

Those who love the Rich Dad, Poor Dad books will adore this one. I found it to be the best book in the series since Rich Dad, Poor Dad.

Mr. Robert T. Kiyosaki speaks with the authority of experience. He did retire young at 47 while his wife was 37. At that time, his expected annual income was between $80,000 and $125,000. Many people yearn for early retirement with wealth, mostly because they hate their work. Mr. Kiyosaki was soon back at work, establishing new businesses. Most of his wealth was created after he retired. "I keep working because there are so things that need to be done." So, he has clearly moved from earnings a living, to living a mission of self-expression. That's very wonderful, and I hope you will accomplish the same result!

Although the subtitle says this is "how to" book, it's really more of a "what to think" book. The fundamental concept is to leverage your mind, your plans, your actions, and your priorities to get wealth faster and more easily.

As usual, Rich Dad provides some wonderful quotes. Here are a few of my favorites.

"David could beat Goliath because David knew how to use the power of leverage."

"Cash flow is the most important word in the world of money. The second most important word is leverage."

"Leverage is the reason some people become rich and others do not become rich."

"Because leverage is power, some people use it, some abuse it, and others fear it."

"Getting rich begins with words and words are free."

" . . . do more and more with less and less."

The first books in the Rich Dad, Poor Dad series have been about cash flow. This one shifts over to leverage. Section 1 is about leveraging your mind, section 2 looks at leverage from a plan to retire, section 3 addresses leverage from actions. The book goes on to give you a final exam on your attitudes and a challenging thought to chew on to help get you focused properly: making lots of money with no money to start with.

Now, any book about leverage would normally have lots of pages on how debt leverage works. In fact, that is only a small part of what this book talks about. You will find that discussion in part of chapter 16, which looks at all of the forms of leverage in real estate.

One of the strengths of the book is a fine discussion of how to think about risk and reward. It's not how often you fail, but how big the costs of your failures are compared to the rewards of your successes . . . and your determination to keep trying until you succeed. For instance, 9 out of 10 new businesses fail. But the value of the 1 in 10 that succeed should vastly outweigh the costs of the 9 failures.

The book is excellent in warning you against the risks that you are unconsciously taking. Most people have 100% of their financial futures tied up in government pension and Medicare payments and the stock market. Mr. Kiyosaki correctly points out that this assumption is probably faulty, because there are far more Baby Boomers depending on these two resources than there are resources. One part of the leverage concept is to have more streams of cash flow. He also has excellent ideas on how to reduce risk in your current and potential sources of cash flow.

You are also given a list of good habits to pursue. And top tips from the prior books are repeated in a convenient section near the end of the book.

If you follow the advice in this book, it will be worth more to you and your family than all the other investment and retirement books that you read combined. But you have to take action! Thinking about taking action won't get you there.

I would describe this book as being a lot like Tony Robbins's book, Personal Power, except it is focused effectively on the emotional and mental disciples needed for financial security and investing.

By the way, I have known many people who have retired young with the assistance of being rich. They all embody the principles captured in this book. By contrast, at age 65 only 5 percent of all Americans will be able to afford to live a wealthy life style. Most will be looking for more income. Act now . . . to have a choice of future life style.

Think and live the thoughts that will make you as rich as you want to be! The solutions are there if you look for them.



Title : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 5 Stars out of 5.
Summary : Well written and comprehensive - you'll rely on it!

This concisely written book covers every aspect of aging and retirement. It is well indexed to find just the topic you need, when you need it. I especially appreciate the health and fitness information. Having just turned 50 myself, this book was the most valuable gift I received! I expect to refer to this book for sound advice many times in the course of my upcoming years.



Title : A Peaceful Retirement: Complete Unabridged
Author : Miss" "Read
Rating : 5 Stars out of 5.
Summary : A lovely and entertaining read, a book to get lost in.

Miss Read, again manages to captivate the feelings of those who to are approaching retirement; and also of those who aren't. Her characters are all someone you know in your own life. Always feeling that they could be so and so. I always felt as if I was included in the story, like I was a friend. I'm an avid reader of her books but it seems this is the last one? She puts such warmth and feeling into this book it spills out from every page. It is obvious that her friends are as devoted to her as she is to them whatever happens. The frequent requests of marriage from John Jenkins are bittersweet and has nearly succumb once or twice. Her lifelong friend Amy, trying so hard to matchmake over the years, tries not to let John Jenkins slip through Miss Reads' fingers but alas fails again. She gets great support from Henry Mawne, who has also been a suitor in the past but Miss Read also gently refused him. She looks forward to retirement with joy and some trepidation, however handles the situation very well. I hope there will be more stories from her in the not to distant future.



Title : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 5 Stars out of 5.
Summary : A valuable, user-friendly tool for constructing one's life.

As my own writing sometimes includes advice columns, an editor recommended I read "Life Begins at Fifty" as a primer on how to make a wide range of sometimes complex topics easily accessible for the lay reader. It proved an excellent direction. Mr. Hansen has obviously covered the waterfront for a long time, and the breadth of his knowledge and the manner in which he integrates and conveys his subjects provides a stark contrast to most of the platitudes and off the shelf advice readers are subjected to. My spry 82 year old mother found the book a fascination and said that if she'd had access to it decades ago it would have significantly influenced and changed a number of her decisions. I know the book will prove an interesting tool for me, as it prods me toward topics I know I should be thinking about but keep putting off. One of the most evident virtues of the book is that Mr. Hansen never seems to be fighting a rearguard action as Father Time starts piling on, but instead clearly views the last half of life as when things really get interesting, a viewpoint readers of his book are likely to embrace.



Title : Senior Living Communities: Operations Management and Marketing for Assisted Living, Congregate, and Continuing-care Retirement Communities
Author : Benjamin W. Pearce
Rating : 5 Stars out of 5.
Summary : A primer for the novice as well as experienced operators.

I found this book to be succinct without sacrificing the kind of detail that can save hours of research and trial and error. The topics are well-covered and the information is up to the minute. This book will be shared with all departments and be a constant reference point. Well worth the money!



Title : Celebration
Author : Harry Crews
Rating : 2 Stars out of 5.
Summary : This is my first and last time to read this author's work.

I was so disappointed in the story because I expected more humor and less cruelty. If Stump is the symbol of the younger, materialistic generation and "The Old Ones" of our aging population, I shudder to think what Crews is predicting for the future. With a catalyst such as Too Much, whose intelligence I found hardly believable from her own background, we won't have to worry about society's demise by the atomic bomb because we'll surely destroy ourselves morally. Although I think Crews made some accurate social commentary, I don't think he had to use so much sexual imagery to do it. Personally, I had to discipline myself to push through some of the "bathtub scenes" with Stump and with the "mop" just to complete the book. By the time I got to the conclusion, I really only read it because I had already invested so much time and energy in it. Maybe my expectations were just erroneous; after all, this was the first of his works that I've read.



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