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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 : 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 : 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?

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 5 Stars out of 5.
Summary : Employed or Self Employed? - Financial Future SHOCKER!

This book has made me sit up and think! I'm shocked!

Millions of people depend on their plans for retirement income.

Yet, when programmes first became popular over two decades ago, Robert Kyosaki's rich dad WARNED that these plans would cause one of the BIGGEST stock market crashes in history... a crash that would financially destroy the unprepared. Now rich dad's prophecy is coming true.

* How the fears, dreams, and actions of millions of 'baby boomers' will control the economic future...

I understood from the book that although we had the NASDAQ exchange record its biggest ever one-day fall, back in April, 2000, - the worst is still yet to come!

Read it NOW, or you'll regret it!

Title : Discounts and Good Deals for Seniors in Texas: The Best Bargains and Deals from Abilene to Zavalla for Ages 50 and Up
Author : Sylvia Spade-Kershaw
Rating : 5 Stars out of 5.
Summary : Excellent, layout is very good and easy to use

Contains information I was not able to find anywhere else. In my opinion, Sylvia did a very thorough research on this subject. I found the information to be very complete. The only exception is one grocery store in Georgetown that offers senior discounts of 5% on Wednesdays. This was offset by at least 12-15 discounts that were new to me. The book is very well organized. It provides listings by type of discount and location (city or town). It exceeded my expectation!

Title : Invest in Yourself: Six Secrets to a Rich Life
Author : Marc Eisenson
Rating : 4 Stars out of 5.
Summary : small technics make big differences

It only took me 30 seconds to buy the book after I scan the titles of the chapters in a fantasitic bookstore in middle Taiwan...all matter to me even if I am a Taiwanese who's so different from those who are supposed to read it.The subject is so universal that,after wandering among the shelves for hours with limited budgets, I decided to take it. The book provides us with so many tips and give us so many substantial thoughts and agendas that a man has to take to make himself rich, materially and spiritually. I am so amazed that,even books about the same subjects in the books are countless,this is a real DIFFERENT book which is written on basis of the authurs' financial expertise and their ideas of helping people, withour meaningless preach and crabbs. This book is a real life bible. I am so glad that I have it.

Title : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 4 Stars out of 5.
Summary : Practical and informative, a valued addition to my library

At 48 I began looking ahead for my future as a 'senior citizen'. Mr. Hansen's book was recommended by a friend as a good resource. I found it to be practical, informative in an easy to read style. It is now a valued addition to my personal library.

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.

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