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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 Bond Book
Author : Annette Thau
Rating : 5 Stars out of 5.
Summary : I read this book cover to cover--AND IT ROCKS!

As an individual investor, I hadn't had a significant amount of experience with the bond market. Thau's book was a pleasure to read, and I believe it touches on every topic one needs to understand to become an educated bond investor. In short, it rocked me like a hurricane. I highly recommend it.



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



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

This is such a funny book by an author who I thought could only write about football - specifically stuff on West Ham like "Hammers in the Heart", or the amateur league teams charted in "Sunday Muddy Sunday". How wrong I was. I'm planning to give a copy of "Aging body, confused mind" to any friend or relative over 30, partly as a joke and partly because it's good to be reminded to laugh at yourself however serious the world seems.



Title : You'Ve Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Very specific, useful info for BIG retirement decisions.

Orman provides very specific information and advice that you will not find unless you shell out big bucks to a financial advisor. For example, Orman tells you how to take money from your IRA before age 59 1/2 with NO PENALTY (substantially equal periodic payments), but adds VERY IMPORTANT advice on how to structure the portfolio to protect the nest egg. Another example of very specific, useful info includes the chapter on long-term care which gives instuctions on how to determine if you need LTC insurance, how much to buy, when to buy, what kind of company to buy from, etc.

The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.



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
Author : Christopher Howard
Rating : 5 Stars out of 5.
Summary : Great, Great Book!

My husband and I found this book to be a godsend. It helped make our move to Costa Rica a lot easier and answered a lot of questions we had. We saved time and money by reading it. Even after living in Costa we refer to it occasionally. It was highly recommended to us by the Costa Rican Residents Association.



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