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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
Author : Ralph Warner
Rating : 4 Stars out of 5.
Summary : A common sense approach to planning for retirement.

This book should be required reading for people in their 30's and 40's. It emphasizes keeping active, having a wide variety of interests, and developing friends of all ages. It's a good antidote to all those financial planners who try to make you feel guilty about not having "X" millions of dollars invested so they can make commissions off your money. A good gift for middle age yuppies.



Title : Bankroll Your Future: Retirement with Help from Uncle Sam: How Government Perks and Policies Can Help You Preserve Your Income, Your Healthc
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : If you are planning retirement, buy this book.

I am at that age where there's alot fewer years ahead than there are behind. To wit, I am at a time when I must be plotting my financial survival beyond my professional career. Ellen Hoffman's BANKROLL YOUR FUTURE is a terrific compass with which to navigate these choppy and often confusing waters! For those of us fuzzy about the ramifications of government programs like social security and medicare, Hoffman clarifies and updates us in language that is clear and accessible. Likewise, she explores and illucidates issues relating to pensions, tax deferred retirement savings, invests and more. For those of us coming to grips with our financial survival in our retirement, Hoffman's book is a gift. She writes about subjects which would otherwise give me a migraine in a accessible fashion.Fortified with Hoffman's book, I am much further down the road towards planning and understanding my financial future.



Title : The Three Boxes of Life: How to Get Out of Them
Author : Richard Nelson Bolles
Rating : 5 Stars out of 5.
Summary : Still a mind-opener after all these years

I first read this book when it had been out only a few years, and it turned my head around. I had been brought up, like most children of the 'fifties, to think of life as a series of rigidly defined serial roles: first you were a student, then you were a worker, and finally you retired and got to do all the fun things you'd been putting off for the past 40-odd years. Having worked my way through graduate school, and done a bit of traveling in the process, I of course knew how artificial these distinctions were -- but I still tended to feel vaguely guilty about my "immature" lifestyle and rebuke myself for not "settling down" like a Real Grownup was "supposed to." Bolles set me straight -- in fact I was doing a pretty good job of balancing growth, work, and leisure in my life, and had nothing to be ashamed of. My subsequent work history has borne out the wisdom of his advice: I've been happiest and most productive when my life achieves that same balance; the most miserable time of my life was the nine-year period when I succumbed to the siren song of Silicon Valley and became a money-obsessed workaholic. This is a terrific book, and one that bears rereading every few years, especially when you feel your life slipping out of balance.



Title : Rich Dad's Retire Young, Retire Rich: How to Get Rich and Stay Rich Forever! (Rich Dad's Advisors Series)
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.



1. Retirement benefits by year of birth
... retire early, the monthly benefit amounts will be smaller to take into account ... and disadvantages to taking your benefit before your full retirement age. ...

2. When taking Social Security early is a mistake - Jun. 6, 2007
When to take Social Security early and when to wait ... value of your early retirement benefits is trumped by the money you would have ...

3. Boomers' eagerness to retire could cost them - USATODAY.com
Over time, taking benefits early could mean a smaller payout, hefty taxes on ... retirement, Mahaney says, and then taking their Social Security benefits later. ...

4. Retirement questions answered - USATODAY.com
... long series on Turning 62: The retirement boom begins, USA TODAY invited readers ... What you stand to gain or lose when taking Social Security benefits early ...

5. Employer Should Have Revealed Early Retirement Benefits... | Article
15-OCT-04 - In an attempt to entice employees to take early retirement rather than having to enact a forced layoff, a company put together a... | Free With Signup

6. Make the Most of Social Security - Kiplinger.com
... start taking benefits early while their wives should claim higher benefits later. ... better off claiming benefits at the early-retirement age of 62, while ...

7. Social Security Reduction for Early Start
If you begin taking retirement benefits before your full retirement age, the benefit is permanently reduced. ... Early Retirement Percentage. Months early ...

8. The Western Conference of Teamsters Pension Trust
... meeting all of the eligibility requirements for an early retirement benefit, you ... rules apply if you are taking normal retirement or disability retirement. ...

9. Retirement for KP&F
... Public Employees Retirement System ... Early Retirement with Reduced Benefits ... retirement benefit in monthly payments or, at the start of retirement, take ...

10. VRS - Service Retirement
You may retire with a reduced benefit as early as age 50 if you have at least 10 ... By taking a smaller benefit for yourself, at your death you can provide an ...

11. Planning for Retirement
You may elect to take a normal retirement' with a full benefit or an "early retirement" with ... Does the District have Early Retirement Benefits? ...

12. Oregon PERS - Web Retirement Benefit Estimator
... is reduced if you take an early retirement benefit, then added to the monthly ... This amount is reduced if you take an early retirement benefit. ...

13. ConsumerReports.org - Social Security: When to collect, benefits
You can take benefits as early as age 62, but odds are you'll get more money ... of course, they are forced by economic circumstances to take early retirement. ...

14. Financial Guide: SOCIAL SECURITY BENEFITS: How To Get The Maximum Amount
If you take early retirement, your benefits will be reduced based on the number ... early retirement will give you about the same total Social Security benefits ...

15. Retirement - Wikipedia, the free encyclopedia
Monte Carlo retirement calculators take volatility into account, and project the ... Retire Early's Safe Withdrawal Rates in Retirement ...

16. Choosing When to Start Receiving Social Security Retirement Benefits
You can begin taking retirement benefits whenever you choose between age ... good move for you to take early retirement benefits if the earnings test will be ...

17. Early Retirement with a Buyout: Accepting a Retirement Benefit Package ...
Your employer offers you an early retirement package. What should you do? ... taking early retirement. planning early retirement ...

18. Retirement Benefits
Early retirement. You can get Social Security retirement benefits as early as age 62, but if you ... a woman could take a reduced widow's benefit at 60 or 62 ...

19. Retirement at 62: Is Receiving Social Security Early Worth It?
... and use these benefits to defer taking withdrawals from their retirement savings. ... are collecting a reduced benefit because of early retirement (see OASI ...

20. Working When Taking Early Retirement
Article entitled Working When Taking Early Retirement ... from taking early retirement, and the benefit of added income to ensure you stay ...

21. 04-FEB-04 | Early Retirement Benefits On Business Transfers
Early Retirement Benefits Business Transfers. Mondaq ... Buyers should advised take account potential valuing seek form protection such indemnity seller. ...

22. NCPSSM: Ask Mary Jane
... major difference in early and late retirement is the benefit paid to a surviving ... Her own early retirement must be taken into consideration. A very ...

23. The Early Way Out (5/26/06) -- www.GovernmentExecutive.com
There is no age reduction on the FERS early retirement benefit. ... employees take charge of their retirement by understanding their benefits. ...

24. 8 Retirement benefits and early departure costs
CHAPTER 8: RETIREMENT BENEFITS AND EARLY. DEPARTURE COSTS ... in most cases it will be sufficient to take the actual loss in the year ie the ...

25. Social Security: The compelling case against filing for early benefits ...
I agree with taking SS benefits early and investing the $, if you don't need them. ... benefits brain drain Career caregiving consulting early retirement economy ...

26. DWP - Services and benefits - Working age - Early retirement
Information about DWP services and benefits for people of working age ... check Jobseeker's Allowance (this link will take you to the Jobcentre Plus website) ...

27. Social Security: How To Decide When to Start Taking your Benefit.
When should I take my Social Security Benefit, now or later? Your expected longevity in retirement and expected returns on investments hold the answer.

28. ConsumerReports.org - Social Security: When to collect
... your benefits and determine whether early, on-time, or late retirement is best for you. ... be wise to take your benefits early--while the gettin's still ...

29. Life at the Bottom of the Sea
For them, taking early retirement benefits from the Social Security program is a ... it is critical to understand that those taking early retirement fall into two ...

30. Defined Benefit Plan
Is it wise to take an early retirement benefit? ... to compare taking the early retirement benefit to taking the larger benefit at a ...

31. Benefits - Retirement
... eligibility for early retirement, you will receive your retirement benefit as a ... Retirees taking advantage of this insurance benefit are responsible for ...

32. When to take Social Security (Page 2 of 2)
... instances where taking early benefits pays off despite the reduced monthly check, ... to exceed the total value of lower benefits (from choosing early retirement. ...

33. Retirement Benefits - Military Benefits - Military.com
No matter what your "full" retirement age is, you may start receiving benefits as early as age 62. ... to taking your benefit before your full retirement age. ...

34. Article: Collecting Social Security When is the Rght Time?
... early may sound great, but there's a catch: If you take early retirement, your benefits will be ... start taking benefits at the full retirement age, then ...

35. Social Security Income
Many Americans collect Social Security benefits early and face a penalty, but by ... one more reason to seek professional advice when planning for retirement. ...

36. Taking Early Benefits Not A Good Idea
... becoming eligible to apply for early Social Security retirement benefits. ... "newly old" folks, taking early Social Security retirement benefits would not be ...

37. Taking (Very) Early Retirement - Forbes.com
Surprise: Business is lobbying for an earlier phased retirement age. ... legally take away benefits--including early retirement benefits--workers have already earned. ...

38. Things to consider before taking early Social Security.
... to collect their Social Security benefits early, but is it always a good ... begin collecting benefits as early as age 62 before your full retirement age. ...

39. Wife may pay for taking early benefit
Wife may pay for taking early benefit. By Don Taylor, Ph.D., CFA, CFP ... a portion of your benefit when you file for retirement, but not the full 50 percent. ...

40. Scottish Public Pensions Agency - NHS Scheme - Retirement
Injury Benefits. Part-time Employment. Reduction in Earnings. Leaving ... You can choose to take voluntary early retirement, from age 50 for members of ...



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