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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 : Retire Sooner, Retire Richer
Author : Frank Netti
Rating : 5 Stars out of 5.
Summary : Essential Advice for an American Who Wants to Retire Early

If you make a mistake with your retirement planning, chances are you will have to live with that mistake for the remainder of your life . . . and wish you had been more careful. Retire Sooner, Retire Richer will help you avoid the bulk of the mistakes that trip up the majority of people. The book is written in a common sense way that can be understood by almost anyone.

A portion of the author's income from the book will go towards low-income workers and their families affected by September 11, 2001, and to charities serving the hungry and homeless, such as Greater New York Labor-Religion Coalition, Second Harvest (USA), Catholic Relief Services (outside the U.S.), and Habitat for Humanity International.

When I first learned about Retire Sooner, Retire Richer, I was skeptical that it could add anything to my knowledge of investments, tax law, estate planning and how to get practical advice. As a result of reading the book, I was pleasantly surprised to learn a great deal of valuable information that I did not know before. After having assessed that information, it made me realize that anyone who works for a company, wants to retire early and desires to leave an estate behind needs a great deal of help. I strongly encourage anyone who is within 10 years of retirement to read this book!

The book opens with one of the best explanations I have ever seen about why volatility in financial instruments means that you have to be very conservative in planning your retirement investments and even more conservative in withdrawing from your retirement savings. Otherwise, you don't save enough and a down market can cause you to wipe out your savings at a time when stock prices are low. This really hit home after seeing the stock market drop for three straight years until 2003. The suggested guidelines in both areas made a lot of sense to me.

Next, Mr. Netti described many ways that you can choose to reduce the current and future taxes to be paid on your income and savings. Most of these choices are only available to you well before you retire. So if you wait until the day before retirement, you will lose many valuable tax reductions. In addition, if you die before your planned retirement date, failure to use these choices will cost your heirs quite a lot!

From reading the text, I began to appreciate that the tax laws governing pension payouts and IRAs have gotten to be very complex. Only someone who follows these details on a daily basis and works with them all of the time can hope to appreciate and take advantage of all the nuances if you want to retire early. From this, I began to see (for the first time) why the advice from a well-schooled financial advisor can pay a vast multiple of the cost of such an advisor. Mr. Netti certainly seems to be such an advisor.

He goes on to give you a process to locate the right financial advisor for you. The process seems like a good one, although I have never personally looked for a financial advisor. Reading Retire Sooner, Retire Richer will also prepare you to get more benefit from working with an advisor.

If you are totally averse to ever working with a financial advisor, this book may change your mind. Reading the book struck me as being a lot like what you might discuss with a financial advisor. I was grateful for the chance to have this dry run on the experience.

Here's the outline of the book:

Part One: Understanding Your Retirement Investments

Chapter 1: The Numbers Game and Retirement Timing
Chapter 2: Factors to Consider When Transitioning to Retirement
Chapter 3: Why Some Retirement Plans Fail and Others Succeed
Chapter 4: How to Improve Your Money-Management Decisions

Part Two: Building the Wealth You Need

Chapter 5: Portfolio Lessons for a Lifetime
Chapter 6: Why You Need to Act Now to Live Happily in Retirement
Chapter 7: How to Make the Best Use of Your Retirement Distribution Options
Chapter 8: How You Can Provide Added Income for You and Your Heirs
Chapter 9: How to Use a Rollover IRA to Leave More to Your Heirs

Part Three: Managing Your Nest Egg

Chapter 10: The Advisor Advantage
Chapter 11: Creating a Financial Planning Review
Chapter 12: The Importance of a Personal Investment Policy
Chapter 13: How to Pay for Financial Management Advice

As I finished the book, I found myself thinking about where else in my life I might benefit from skilled advice . . . and have not been seeking it.

Title : The Three Boxes of Life: How to Get Out of Them
Author : Richard Nelson Bolles
Rating : 5 Stars out of 5.
Summary : An expert's primer on building a balanced, satisfying life.

In a time when simplifying one's life, finding satisfaction and mission, and creating meaning are dominant issues for baby boomers and gen-x alike, this text is an unerring guide. Bolles patiently walks you through the process of evaluating and considering the roles of learning, working, and playing in your life. Constructing the optimal balance of those roles - the "three boxes" of the title - is up to you, but his guidance provides a starting place. This is a book I re-read, and re-consider, every two or three years.

Title : Investing from Scratch: A Handbook for the Young Investor
Author : James Lowell
Rating : 2 Stars out of 5.
Summary : A well written book for beginners.

The author writes very well, but all too often the advice is a little thin. I liked his approach to handling money but for real practical advice I found another book more useful: "How To Invest $50 to $5,000" by Dunnan. However, both make excellent presents for young and/or inexperienced investors and savers.

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 : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 5 Stars out of 5.
Summary : A Miami widow's quirky odyssey of the heart.

Mrs. Ted Bliss is a widowed woman in a polyester pant suit living her last years in a Miami Beach condominium. When a local drug kingpin buys her dead husband's car, it triggers a remarkable chain of events that brings Mrs. Bliss face-to-face with the premises of her life as a dutiful wife. The authenticity that Elkin brings to Mrs. Bliss' inner dialogue and his characters' speech was so humorous and touching that I frequently had to collar somebody so I could read them the passages out loud. If you like to find the extraordinary in "ordinary" lives, if you have an ear for language, please give yourself and treat and pick up this book.

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