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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 And Living In Costa Rica: A Guide to Inexpensive Living, Making Money and Finding Love in a Peaceful Tropical Paradise (New Golden Door to Retirement and Living in Costa Rica)
Author : Christopher Howard
Rating : 4 Stars out of 5.
Summary : The content was great; I dropped a star for the editing.

I breezed through the book in an afternoon/evening and found it to be extremely informative and accurate based on my limited ten day stay in Costa Rica. The author presents both sides for those considering relocating to CR. It is a wonderful place to visit which motivated me to inquire what it might be like to live there.

Title : Invest in Yourself: Six Secrets to a Rich Life
Author : Marc Eisenson
Rating : 5 Stars out of 5.
Summary : Get High Returns on Your Time, Energy, and Money!

"Our goal for Invest in Yourself is to motivate you to take charge of your life and make the most out of your time, energy, and money." That's a novel and valuable perspective that's worth five stars for this book.

Too many self-help books focus on helping you get more money or more out of your money, but ignore the costs in terms of the time, attention, effort and stress involved. Invest in Yourself looks beyond that overly-narrow focus. That's the good news about this book.

The bad news about this book is that it has taken on more than one book can hope to fully deliver on. I hope the authors come out with sequels that expand and magnify what is here.

The six secrets are:

(1) Make your own lifestyle decisions.

(2) Put your family first.

(3) Wherever you work, be in business for yourself.

(4) Make the most of the money you bring home.

(5) Turn your debts into golden investment opportunities.

(6) Map out your financial future.

The three authors have an unusual perspective. They have dropped out of the "get ahead at the office" rat race and "shop until you drop" lifestyles much more than most. As a result, they have lots of money-saving ideas based on their own life experiences. Much of what is in the book, Walt Disney's Uncle Scrooge would approve of. If you are like me, you will find money-saving ideas that would never have occurred to you, otherwise. My parents have always shopped are yard sales, but it had never occurred to me to use these routinely for the kind of around-the-house items that I will seldom use like unusual garden tools.

One of the strengths of the book is that it is not a "one size fits all" approach. They realize that each person will have a different set of life goals, and the advice is couched to accommodate that.

I also liked the way that the book challenged the automatic assumptions that many make: Career comes first; job comes first; exciting consumer experiences are a main reward for success; and only the best will do.

By having three authors, the perspectives and ideas were much more varied than I have seen in other, somewhat-similar self-help books. That also was a strength.

The weakest section was the last one on mapping out your financial future. Almost everyone will need more guidance than is here. That's the bad news. The good news is that there are lots of books about creating financial plans that you can use to supplement this one.

On the other hand, those who buy into the traditional American Dream and will happily pay the price for economic success will find less in this book than will those independent souls who listen to their own intuition for guidance. Despite ideas for making penny-pinching fun, it's not going to be fun for everyone. I do applaud pointing out how saving money for essentials is far more valuable than expanding income due to the income tax effects on progressive income. The advice about paying off your expensive debt is pretty standard, but I liked the way it was couched in terms of thinking of it as a high return investment.

I hope you will not only read this book, but apply its lessons. As you do, I encourage you to expand your perspective even more broadly than the book does. What other areas do you have important values in, besides time, money, and energy? How can those values be honored in your tradeoffs? The more you do this, the better life you will have . . . the richer your life will be in terms of its effect on those around you.

Enjoy, live long, and prosper!

Title : How to Retire Rich
Author : James O'Shaughnessey
Rating : 2 Stars out of 5.
Summary : Started good, but then...

I don't know how to take this book. On the positive side, it offers seemingly reasonable investment strategies for inexperienced investors. At worst, the strategies are thought provoking. At best, they may be providing strategies that will make alot of people retire rich. On the negative side, I am skeptical of the author's intentions of writing this book. He sells mutual funds that implement the strategies (which is not necessarily a bad thing), but the funds have yearly fees of 1.5% each! That is very high for a passive fund. Why so high? All of a sudden, I want to stop reading. Finally, the book didn't teach me 250+ pages of info. It may be good for the new investor, but for one like me that has read a few books (but not done alot yet), it didn't offer alot of new insight. (I just can't get that 1.5% out of my head...)

Title : The New Golden Door To Retirement And Living In Costa Rica: A Guide to Inexpensive Living, Making Money and Finding Love in a Peaceful Tropical Paradise (New Golden Door to Retirement and Living in Costa Rica)
Author : Christopher Howard
Rating : 5 Stars out of 5.
Summary : "This Books is my Right Hand"

This book is my Right Hand, as manager of the Residents Association of Costa Rica (ARCR), I have found that newcomers sometimes seem to know more about Costa Rica than people living here just because they read this excellent book.

Title : Ageing Body, Confused Mind
Author : Pete May
Rating : 5 Stars out of 5.
Summary : Ageing Body, Confused Mind

This is the funniest book I have ever read. I was looking for practical help with growing older and this book demonstrated to me that ageing does not have to be a problem, depending on how you look at it. We should all grow old as Pete May suggests - laughing and being ourselves. Thank you for showing me an alternative.

Title : Non-Resident Offshore Tax Planning
Author : Lee Hadnum
Rating : 1 Stars out of 5.
Summary : I wouldn't trust it

At only 122 pages it's only about as thick as a magazine, this would be fair enough if it was accurate... however the area I was interested in regarding the sale of property in the uk while a resident in Spain as covered page 37-38 states I would escape capital gains tax altogether IS INCORRECT. The author does not understand the the concept of dual tax treaties which stop someone from paying tax twice but does not help in avoiding tax, so even though article 13(1) states that capital gains from immovable property MAY be taxed in the country it is situated (ie the UK) it does not prevent the Spanish from also taxing it if you are resident there (WHICH THEY WILL AT 15%), the author needs to understand MAY does not mean MAY ONLY.

Title : How to Retire Rich
Author : James O'Shaughnessy
Rating : 2 Stars out of 5.
Summary : Reasonable runaways - Best way to lose big monies!

Mr. O'Shaughnessy outlines several of his investment strategies and in particular his "reasonable runaways". If you look at his numbers AND factor in costs of establishing a similar group of stocks (something he neglects to do)the SP 500 is the clear winner.

A VERY IMPORTANT piece of investing advice that Mr. O'Shaughnessy advises against is the use of stop-limit orders in his portfolios. By neglecting to use this very important investment tool, you open yourself up to huge losses in the very questionable turnaround stocks that have just been run up in price. Most of these WILL go down and many they will go down big and not recover. Take the advise of someone that has been watching (and burned very badly) by taking his advice and not using stop-limit prices, USE THEM IF YOU EMPLOY THIS VERY RISKY STRATEGIE!!!

If you look at ANY of his mutual funds, you will clearly see that the performance of all of his funds badly trails the SP 500. His expense ratios are also out of line to the high side, something that he warns against in this book.

The three pieces of advice that are of any value in the entire book are to establish a plan, stick to it, and, if 87% (or so) of mutual funds (including his) do not match the performance of the SP 500, why are you investing in anything other than the SP 500?

Good luck to all!!!

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