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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 : 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 : Every woman's book on pitfalls in planning: Read this FIRST!

I grabbed this book on impulse, knowing that I have a bad track record with money management subjects. I thought it would be laying around gathering dust for awhile...

Was I surprised when I started reading the first page and then plowed right through it in 1-1/2 nights! So easy to read and understand. (The Wall St. Journal series, with all their glitzy colored pictures couldn't do what Suze did with her real-life stories as examples.) Maybe it's the woman's touch, but she got through to me. The whole picture of retirement issues and planning became clear.

I highly recommend this as a first book for financial planning -- it's NOT JUST ABOUT RETIREMENT, it's more about protecting women by arming them with vital information... every woman should READ THIS BOOK BEFORE MAKING ANOTHER DECISION involving money (or before someone makes one for her).

Title : Roth to Riches: The Ordinary to Roth Ira Handbook
Author : John D. Bledsoe
Rating : 5 Stars out of 5.
Summary : an excellent book for people evaluating their options

this book is an excellent resource book for ordinary people with large ira's who do not know what their options are or why they should consider a roth ira. It is a great way to check and balance the advice you are getting from other sources. I have utilized this book thoroughly with many of my clients.

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 : Brilliant Deductions
Author : Wade B. Cook
Rating : 5 Stars out of 5.
Summary : BRIllANT ADVICE!!!!

Brilliant Deductions offers excellentstrategies to reduce taxes; section29 tax credits, Nevada Corporations,Pension Plans, living trusts, charit-abale trusts, limited partnerships andmore. Easy reading.

Title : How to Retire Rich: Time-Tested Strategies to Beat the Market and Retire in Style
Author : James P. 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!!!

Title : The Immigration Handbook: For Work, Investment, Study, and Retirement in the U.S.A.
Author : Henry G. Liebman
Rating : 5 Stars out of 5.
Summary : That is a very good book.

I am currently researching ways to get a work permit in the U.S.A. There is a lot of "common wisdom" around about the subject, but no one seems to know the precise facts. You need this book to know about this. Don't let the low price put you off, it's complete and - as far as I can tell - the author is a real expert on the subject.

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