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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 : 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 : Brilliant Deductions
Author : Wade B. Cook
Rating : 4 Stars out of 5.
Summary : Just one idea saved us thousands this year alone!

Although I found Mr. Cook's writing style a little hard to follow (he jumps from one idea to the next), this book is well worth a read just to harvest out any ideas that might work for your own situation. His suggestions about incorporating and income-splitting saved my familty at least $4,000 in income taxes this year alone. But, everyone's situation is different and readers need to do their own homework before blindly acting. Take Cook's ideas as just "brainstorming" sessions and then think for yourself. This reader certainly enjoys Wade Cook's "brainstorming" sessions.

Title : Iras, 401(k)S Other Retirement Plans: Taking Your Money Out (IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out)
Author : Twila Slesnick
Rating : 5 Stars out of 5.
Summary : Excellent even if you're not 59 1/2 years old

This is a great resource--clear, concise, easy to digest, well indexed, and written for the lay person. Knowing the rules for taking money out of your retirement accounts is important even if you're still putting money away--it allows you to make much better decisions about your investments.

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 : Senior Savvy: How to Make the Most of Your Life Savings Before and After Retire
Author : Kenneth A. Stern
Rating : 1 Stars out of 5.
Summary : Pass on this one.

Would pass on this one...lots of words but not very informative...

Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire: 6-copy Counter Display Pack
Author : Suze Orman
Rating : 1 Stars out of 5.
Summary : The math is wrong

The time value of money analysis in this book does not take into account that money has time value and thus the results of the studies Orman presents are biased in the wrong direction. Also the rate of inflation of 5% is too high based on current and past values. This also biases the results. It is funny to see the results of her long term care insurance policy analysis. According to Orman, the insured pays in $1,255 each year for 30 years and alternately if they had not taked the policy get no credit for the compound growth rate this money would earn had not they taken the policy. It makes a huge different that was not considered Also there is a chart that shows a comparison of 5% simple and compound interest on an inflation rider. Certainly, inflation is not a simple interest growth rate. The data of Orman's table make no sense whatsoever and certainly have no bearing on the long term care policy decision.

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